Premier Trading Co.
CIF-00018 · U75017UK2014PLC100018 · Energy & Utilities · Micro Enterprise · UK
RM: Ava Johnson
Credit Risk Manager: James Smith
Exposure: $19.61M
CBRB: Normal
Internal: Normal
Risk Score:34 · Medium
Total Exposure
$19.61M
Prev: $18.57M5.6%
Utilization
57.1%
Prev: 56.8%0.3pp
Banking Relationships
4
Prev: 40.0
CBRB Rating
Normal
Prev: Normal
Internal Rating
Normal
Prev: Normal
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
No rating changes in the last 24 months. Currently Normal.
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 2
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 1/3/2026 | Increase in Number of Banks | Medium | Borrower has expanded banking relationships per CBRB data. | Dismissed | Matthew Sanchez | — |
| 2/25/2026 | Rating Downgrade | High | Borrower rating migrated from Normal to Normal. | Open | David Wilson | — |
AI Risk Score
34
/ 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
CBRB Rating Migration+15
Industry Concentration+15
Utilization Level+14
Banking Relationship Growth+6
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure increased by 5.6% month-over-month, currently at $19.61M. Banking relationships moved from 4 to 4 banks per CBRB data. CBRB rating remained stable from Normal to Normal. Current utilization is 57.1%. 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
Ava Johnson
ava.johnson@bank.com
+1 555 0198
Portfolio: $1.94B
Credit Risk Manager
James Smith
james.smith@bank.com
+1 555 0011
Portfolio: $2.05B
Business Head
Daniel Martin
daniel.martin@bank.com
+1 555 0077
Portfolio: $2.17B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $12.71M | $6.90M | $19.61M | 57.1% | 4 | Normal |
| 2026-05 | $10.19M | $8.38M | $18.57M | 56.8% | 4 | Normal |
| 2026-04 | $12.78M | $6.75M | $19.53M | 61.6% | 4 | Normal |
| 2026-03 | $11.56M | $6.79M | $18.35M | 59.8% | 4 | Normal |
| 2026-02 | $12.30M | $6.13M | $18.43M | 61.9% | 5 | Normal |
| 2026-01 | $12.50M | $6.24M | $18.74M | 63.5% | 5 | Normal |
| 2025-12 | $11.21M | $6.88M | $18.08M | 63.6% | 5 | Normal |
| 2025-11 | $10.46M | $6.81M | $17.27M | 65.6% | 5 | Normal |
| 2025-10 | $10.61M | $7.25M | $17.86M | 69.5% | 5 | Normal |
| 2025-09 | $11.52M | $7.21M | $18.74M | 66.6% | 5 | Normal |
| 2025-08 | $10.23M | $8.30M | $18.53M | 70.0% | 5 | Normal |
| 2025-07 | $11.81M | $5.82M | $17.64M | 72.3% | 5 | Normal |