Sapphire Manufacturing SA
CIF-00024 · U75023JA2014PLC100024 · Transportation · Syndicated · Japan
RM: Grace Lee
Credit Risk Manager: Daniel Martin
Exposure: $16.04M
CBRB: Substandard
Internal: OLEM
Risk Score:49 · Medium
Total Exposure
$16.04M
Prev: $16.26M1.4%
Utilization
24.3%
Prev: 21.2%3.1pp
Banking Relationships
1
Prev: 10.0
CBRB Rating
Substandard
Prev: Substandard
Internal Rating
OLEM
Prev: OLEM
Open Alerts
0
C 0
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
No rating changes in the last 24 months. Currently Substandard.
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 1
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 6/16/2026 | Exposure Increase | Low | System-wide exposure increased materially over the prior month. | Resolved | Jacob Moore | 6/16/2026 |
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
CBRB Rating Migration+27
Industry Concentration+15
Utilization Level+6
Banking Relationship Growth+6
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure decreased by 1.4% month-over-month, currently at $16.04M. Banking relationships moved from 1 to 1 banks per CBRB data. CBRB rating remained stable from Substandard to Substandard. Current utilization is 24.3%. 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
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 | $9.68M | $6.36M | $16.04M | 24.3% | 1 | Substandard |
| 2026-05 | $9.81M | $6.46M | $16.26M | 21.2% | 1 | Substandard |
| 2026-04 | $11.08M | $5.73M | $16.81M | 20.0% | 1 | Substandard |
| 2026-03 | $8.97M | $6.88M | $15.84M | 14.9% | 1 | Substandard |
| 2026-02 | $10.35M | $5.93M | $16.28M | 13.7% | 1 | Substandard |
| 2026-01 | $9.13M | $7.32M | $16.45M | 14.1% | 1 | Substandard |
| 2025-12 | $10.37M | $6.59M | $16.97M | 18.7% | 1 | Substandard |
| 2025-11 | $10.00M | $7.79M | $17.79M | 23.3% | 1 | Substandard |
| 2025-10 | $10.34M | $7.93M | $18.27M | 21.9% | 1 | Substandard |
| 2025-09 | $10.61M | $8.25M | $18.85M | 17.0% | 1 | Substandard |
| 2025-08 | $10.36M | $7.80M | $18.15M | 19.6% | 1 | Substandard |
| 2025-07 | $11.04M | $6.32M | $17.36M | 19.7% | 1 | Substandard |