Sapphire Telecom Ltd
CIF-00006 · U75005GE2014PLC100006 · Wholesale Trade · Micro Enterprise · Germany
RM: Olivia Taylor
Credit Risk Manager: Amelia Thomas
Exposure: $49.23M
CBRB: Normal
Internal: Normal
Risk Score:23 · Low
Total Exposure
$49.23M
Prev: $46.20M6.5%
Utilization
55.1%
Prev: 50.0%5.1pp
Banking Relationships
3
Prev: 30.0
CBRB Rating
Normal
Prev: Normal
Internal Rating
Normal
Prev: Normal
Open Alerts
2
C 1
H 0
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 · 6
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 1/23/2026 | Rating Downgrade | High | Borrower rating migrated from Normal to Normal. | Dismissed | Grace Lee | — |
| 2/17/2026 | Rating Downgrade | Critical | Borrower rating migrated from Normal to Normal. | Open | Lucas White | — |
| 5/20/2026 | Rating Upgrade | Medium | Borrower rating improved to Normal. | Dismissed | Benjamin Jones | — |
| 1/16/2026 | Rating Upgrade | Low | Borrower rating improved to Normal. | Dismissed | Nathan Hernandez | — |
| 3/10/2026 | Rating Upgrade | Low | Borrower rating improved to Normal. | Open | Joseph Jackson | — |
| 1/22/2026 | Exposure Shift to Other Banks | High | Exposure with our bank declined while CBRB system exposure remained stable, indicating a shift to competitors. | Dismissed | Ella Anderson | — |
AI Risk Score
23
/ 100
Low 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+15
Utilization Level+14
Industry Concentration+12
Banking Relationship Growth+6
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure increased by 6.5% month-over-month, currently at $49.23M. Banking relationships moved from 3 to 3 banks per CBRB data. CBRB rating remained stable from Normal to Normal. Current utilization is 55.1%. Overall borrower risk is assessed as low.
Recommended Actions
Review Credit Facility Structure
HighSchedule Customer Meeting
MediumReassess Collateral Coverage
MediumEscalate to Credit Committee
LowInitiate Monthly Monitoring
MediumRelationship Team
Relationship Manager
Olivia Taylor
olivia.taylor@bank.com
+1 555 0066
Portfolio: $2.26B
Credit Risk Manager
Amelia Thomas
amelia.thomas@bank.com
+1 555 0154
Portfolio: $1.86B
Business Head
Harper Davis
harper.davis@bank.com
+1 555 0220
Portfolio: $2.09B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $31.64M | $17.58M | $49.23M | 55.1% | 3 | Normal |
| 2026-05 | $30.79M | $15.41M | $46.20M | 50.0% | 3 | Normal |
| 2026-04 | $27.82M | $16.26M | $44.08M | 55.8% | 3 | Normal |
| 2026-03 | $23.70M | $19.49M | $43.19M | 61.5% | 3 | Normal |
| 2026-02 | $27.57M | $16.27M | $43.84M | 65.6% | 3 | Normal |
| 2026-01 | $27.35M | $14.10M | $41.44M | 61.0% | 3 | Normal |
| 2025-12 | $24.77M | $14.51M | $39.29M | 60.0% | 3 | Normal |
| 2025-11 | $24.83M | $12.74M | $37.58M | 64.2% | 3 | Normal |
| 2025-10 | $23.18M | $15.66M | $38.84M | 59.9% | 3 | Normal |
| 2025-09 | $23.82M | $17.03M | $40.86M | 58.8% | 3 | Normal |
| 2025-08 | $27.67M | $15.05M | $42.73M | 58.3% | 3 | Normal |
| 2025-07 | $23.78M | $17.19M | $40.97M | 54.5% | 3 | Normal |