Sterling Holdings SA
CIF-00001 · U75000FR2014PLC100001 · Financial Services · Financial Institution · France
RM: James Smith
Credit Risk Manager: Matthew Sanchez
Exposure: $26.46M
CBRB: Substandard
Internal: Doubtful
Risk Score:71 · High
Total Exposure
$26.46M
Prev: $25.47M3.9%
Utilization
80.3%
Prev: 79.5%0.8pp
Banking Relationships
2
Prev: 20.0
CBRB Rating
Substandard
Prev: OLEM
Internal Rating
Doubtful
Prev: Doubtful
Open Alerts
1
C 1
H 0
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
NormalStart
2025-01
OLEMDowngrade
2026-06
SubstandardDowngrade
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 2
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 4/1/2026 | Rating Downgrade | Critical | Borrower rating migrated from OLEM to Substandard. | Open | Ryan Harris | — |
| 1/26/2026 | Decrease in Number of Banks | High | One or more banks have exited the relationship. | Resolved | Isabella Williams | 1/26/2026 |
AI Risk Score
71
/ 100
High 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+27
Utilization Level+20
Internal Rating Drift+12
Industry Concentration+9
Banking Relationship Growth+6
Exposure Growth Trend+5
AI Risk Commentary
AI
Customer exposure increased by 3.9% month-over-month, currently at $26.46M. Banking relationships moved from 2 to 2 banks per CBRB data. CBRB rating deteriorated from OLEM to Substandard. Current utilization is 80.3% — above the 70% early warning threshold. Overall borrower risk is assessed as high.
Recommended Actions
Review Credit Facility Structure
HighSchedule Customer Meeting
MediumReassess Collateral Coverage
HighEscalate to Credit Committee
LowInitiate 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 | $17.55M | $8.91M | $26.46M | 80.3% | 2 | Substandard |
| 2026-05 | $14.77M | $10.70M | $25.47M | 79.5% | 2 | OLEM |
| 2026-04 | $15.98M | $9.03M | $25.01M | 80.2% | 2 | OLEM |
| 2026-03 | $14.99M | $8.93M | $23.92M | 85.3% | 2 | OLEM |
| 2026-02 | $16.54M | $8.05M | $24.59M | 81.0% | 2 | OLEM |
| 2026-01 | $15.89M | $9.62M | $25.50M | 78.0% | 2 | OLEM |
| 2025-12 | $12.71M | $11.40M | $24.11M | 75.8% | 1 | OLEM |
| 2025-11 | $15.83M | $8.88M | $24.71M | 81.5% | 1 | OLEM |
| 2025-10 | $15.70M | $8.66M | $24.36M | 83.9% | 1 | OLEM |
| 2025-09 | $15.92M | $8.37M | $24.30M | 80.1% | 1 | OLEM |
| 2025-08 | $14.05M | $9.57M | $23.62M | 83.6% | 1 | OLEM |
| 2025-07 | $14.27M | $9.91M | $24.19M | 84.6% | 1 | OLEM |