Premier Pharma SA
CIF-01971 · U76970AU2014PLC101971 · Manufacturing · Trade Finance · Australia
RM: Nathan Hernandez
Credit Risk Manager: Emily Martinez
Exposure: $22.26M
CBRB: Normal
Internal: OLEM
Risk Score:47 · Medium
Total Exposure
$22.26M
Prev: $21.57M3.2%
Utilization
67.4%
Prev: 69.9%2.5pp
Banking Relationships
8
Prev: 80.0
CBRB Rating
Normal
Prev: Normal
Internal Rating
OLEM
Prev: Normal
Open Alerts
2
C 0
H 1
M 0
L 1
Exposure Trend Analysis · 24 Months
Funded · Non-Funded · Total
Utilization Trend · Reporting Bank vs Other Banks
Threshold 70%
Rating Migration Timeline
No rating changes in the last 24 months. Currently Normal.
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 4
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 1/28/2026 | Rating Upgrade | Medium | Borrower rating improved to Normal. | Dismissed | Amelia Thomas | — |
| 5/13/2026 | Utilization Above 70% | High | Facility utilization breached the 70% early-warning threshold. | In Review | Ava Johnson | — |
| 6/11/2026 | Rating Upgrade | Low | Borrower rating improved to Normal. | Open | James Smith | — |
| 3/25/2026 | Exposure Reduction | Low | System-wide exposure declined materially over the prior month. | Resolved | Benjamin Jones | 3/25/2026 |
AI Risk Score
47
/ 100
Medium Risk
Low
0-30
0-30
Med
31-60
31-60
High
61-80
61-80
Crit
81-100
81-100
Risk Driver Analysis
Utilization Level+17
CBRB Rating Migration+15
Banking Relationship Growth+15
Internal Rating Drift+12
Industry Concentration+10
Exposure Growth Trend+5
AI Risk Commentary
AI
Customer exposure increased by 3.2% month-over-month, currently at $22.26M. Banking relationships moved from 8 to 8 banks per CBRB data. CBRB rating remained stable from Normal to Normal. Current utilization is 67.4%. Overall borrower risk is assessed as medium.
Recommended Actions
Review Credit Facility Structure
HighSchedule Customer Meeting
MediumReassess Collateral Coverage
MediumEscalate to Credit Committee
LowInitiate Monthly Monitoring
MediumRelationship Team
Relationship Manager
Nathan Hernandez
nathan.hernandez@bank.com
+1 555 0231
Portfolio: $1.79B
Credit Risk Manager
Emily Martinez
emily.martinez@bank.com
+1 555 0044
Portfolio: $2.24B
Business Head
Isabella Williams
isabella.williams@bank.com
+1 555 0110
Portfolio: $2.11B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $12.11M | $10.16M | $22.26M | 67.4% | 8 | Normal |
| 2026-05 | $13.02M | $8.55M | $21.57M | 69.9% | 8 | Normal |
| 2026-04 | $13.42M | $7.23M | $20.66M | 70.3% | 8 | Normal |
| 2026-03 | $12.66M | $8.03M | $20.69M | 71.9% | 8 | Normal |
| 2026-02 | $11.60M | $9.38M | $20.98M | 75.9% | 8 | Normal |
| 2026-01 | $12.24M | $9.72M | $21.96M | 76.1% | 7 | Normal |
| 2025-12 | $14.71M | $7.51M | $22.22M | 75.3% | 7 | Normal |
| 2025-11 | $14.41M | $7.02M | $21.42M | 80.8% | 6 | Normal |
| 2025-10 | $12.37M | $8.69M | $21.06M | 84.2% | 6 | Normal |
| 2025-09 | $13.36M | $8.36M | $21.72M | 83.9% | 6 | Normal |
| 2025-08 | $14.12M | $7.35M | $21.48M | 79.8% | 6 | Normal |
| 2025-07 | $13.53M | $8.03M | $21.57M | 74.0% | 6 | Normal |