Eastpoint Technologies Inc
CIF-01951 · U76950US2014PLC101951 · Information Technology · Large Corporate · USA
RM: James Smith
Credit Risk Manager: Matthew Sanchez
Exposure: $7.83M
CBRB: Loss
Internal: Loss
Risk Score:84 · Critical
Total Exposure
$7.83M
Prev: $8.12M3.6%
Utilization
20.9%
Prev: 21.8%0.9pp
Banking Relationships
1
Prev: 10.0
CBRB Rating
Loss
Prev: Loss
Internal Rating
Loss
Prev: Loss
Open Alerts
1
C 0
H 1
M 0
L 0
Exposure Trend Analysis · 24 Months
Funded · Non-Funded · Total
Utilization Trend · Reporting Bank vs Other Banks
Threshold 70%
Rating Migration Timeline
2024-07
OLEMStart
2024-10
SubstandardDowngrade
2024-12
DoubtfulDowngrade
2025-08
LossDowngrade
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 2
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 1/21/2026 | Rating Upgrade | Medium | Borrower rating improved to Loss. | Resolved | Mia Rodriguez | 1/21/2026 |
| 6/11/2026 | Decrease in Number of Banks | High | One or more banks have exited the relationship. | Open | Benjamin Jones | — |
AI Risk Score
84
/ 100
Critical Risk
Low
0-30
0-30
Med
31-60
31-60
High
61-80
61-80
Crit
81-100
81-100
Risk Driver Analysis
CBRB Rating Migration+39
Industry Concentration+9
Banking Relationship Growth+6
Utilization Level+5
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure decreased by 3.6% month-over-month, currently at $7.83M. Banking relationships moved from 1 to 1 banks per CBRB data. CBRB rating remained stable from Loss to Loss. Current utilization is 20.9%. Overall borrower risk is assessed as critical. Recommend escalation to Credit Committee.
Recommended Actions
Review Credit Facility Structure
HighSchedule Customer Meeting
MediumReassess Collateral Coverage
MediumEscalate to Credit Committee
CriticalInitiate Monthly Monitoring
MediumRelationship Team
Relationship Manager
James Smith
james.smith@bank.com
+1 555 0011
Portfolio: $2.05B
Credit Risk Manager
Matthew Sanchez
matthew.sanchez@bank.com
+1 555 0099
Portfolio: $2.20B
Business Head
Joseph Jackson
joseph.jackson@bank.com
+1 555 0165
Portfolio: $2.24B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $5.07M | $2.76M | $7.83M | 20.9% | 1 | Loss |
| 2026-05 | $4.35M | $3.77M | $8.12M | 21.8% | 1 | Loss |
| 2026-04 | $4.75M | $2.94M | $7.69M | 22.1% | 1 | Loss |
| 2026-03 | $4.46M | $2.87M | $7.33M | 19.3% | 1 | Loss |
| 2026-02 | $4.32M | $2.90M | $7.23M | 14.3% | 2 | Loss |
| 2026-01 | $4.04M | $2.83M | $6.87M | 16.1% | 2 | Loss |
| 2025-12 | $4.57M | $2.20M | $6.78M | 12.2% | 2 | Loss |
| 2025-11 | $4.13M | $2.79M | $6.92M | 16.3% | 1 | Loss |
| 2025-10 | $3.73M | $2.89M | $6.61M | 14.2% | 2 | Loss |
| 2025-09 | $4.27M | $2.66M | $6.93M | 15.7% | 2 | Loss |
| 2025-08 | $3.80M | $3.32M | $7.12M | 13.9% | 3 | Loss |
| 2025-07 | $4.74M | $2.63M | $7.36M | 15.7% | 3 | Doubtful |