Royal Holdings SA
CIF-01974 · U76973US2014PLC101974 · Financial Services · Micro Enterprise · USA
RM: Grace Lee
Credit Risk Manager: Daniel Martin
Exposure: $28.76M
CBRB: Normal
Internal: Normal
Risk Score:49 · Medium
Total Exposure
$28.76M
Prev: $29.42M2.3%
Utilization
86.7%
Prev: 90.3%3.6pp
Banking Relationships
4
Prev: 40.0
CBRB Rating
Normal
Prev: Normal
Internal Rating
Normal
Prev: Normal
Open Alerts
4
C 1
H 1
M 2
L 0
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 |
|---|---|---|---|---|---|---|
| 12/25/2025 | Utilization Above 70% | High | Facility utilization breached the 70% early-warning threshold. | Open | Charlotte Perez | — |
| 6/9/2026 | Exposure Increase | Medium | System-wide exposure increased materially over the prior month. | Open | Matthew Sanchez | — |
| 4/4/2026 | Increase in Number of Banks | Medium | Borrower has expanded banking relationships per CBRB data. | In Review | Sophia Thompson | — |
| 6/11/2026 | Rating Downgrade | Critical | Borrower rating migrated from Normal to Normal. | In Review | Olivia Taylor | — |
AI Risk Score
49
/ 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+22
CBRB Rating Migration+15
Industry Concentration+9
Banking Relationship Growth+6
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure decreased by 2.3% month-over-month, currently at $28.76M. Banking relationships moved from 4 to 4 banks per CBRB data. CBRB rating remained stable from Normal to Normal. Current utilization is 86.7% — above the 70% early warning threshold. Overall borrower risk is assessed as medium.
Recommended Actions
Review Credit Facility Structure
HighSchedule Customer Meeting
MediumReassess Collateral Coverage
HighEscalate to Credit Committee
LowInitiate Monthly Monitoring
MediumRelationship Team
Relationship Manager
Grace Lee
grace.lee@bank.com
+1 555 0264
Portfolio: $2.12B
Credit Risk Manager
Daniel Martin
daniel.martin@bank.com
+1 555 0077
Portfolio: $2.17B
Business Head
Christopher Lopez
christopher.lopez@bank.com
+1 555 0143
Portfolio: $1.99B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $18.50M | $10.26M | $28.76M | 86.7% | 4 | Normal |
| 2026-05 | $16.51M | $12.92M | $29.42M | 90.3% | 4 | Normal |
| 2026-04 | $17.03M | $13.84M | $30.87M | 95.6% | 5 | Normal |
| 2026-03 | $18.55M | $12.70M | $31.26M | 99.0% | 5 | Normal |
| 2026-02 | $18.93M | $12.66M | $31.59M | 99.0% | 5 | Normal |
| 2026-01 | $21.67M | $11.55M | $33.22M | 97.1% | 5 | Normal |
| 2025-12 | $18.36M | $13.30M | $31.66M | 99.0% | 5 | Normal |
| 2025-11 | $19.87M | $11.02M | $30.90M | 96.5% | 5 | Normal |
| 2025-10 | $19.94M | $9.90M | $29.85M | 94.1% | 5 | Normal |
| 2025-09 | $17.46M | $10.80M | $28.27M | 97.1% | 5 | Normal |
| 2025-08 | $18.09M | $10.27M | $28.36M | 97.0% | 5 | Normal |
| 2025-07 | $15.10M | $12.00M | $27.10M | 96.8% | 5 | Normal |