Horizon Aviation Ltd
CIF-00038 · U75037AU2014PLC100038 · Healthcare · SME · Australia
RM: Christopher Lopez
Credit Risk Manager: Nathan Hernandez
Exposure: $15.00M
CBRB: OLEM
Internal: Normal
Risk Score:48 · Medium
Total Exposure
$15.00M
Prev: $14.75M1.7%
Utilization
46.0%
Prev: 42.6%3.4pp
Banking Relationships
6
Prev: 60.0
CBRB Rating
OLEM
Prev: OLEM
Internal Rating
Normal
Prev: Normal
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
2024-07
OLEMStart
2024-11
SubstandardDowngrade
2026-02
OLEMUpgrade
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 1
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 1/2/2026 | Increase in Number of Banks | Medium | Borrower has expanded banking relationships per CBRB data. | Dismissed | Emily Martinez | — |
AI Risk Score
48
/ 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+21
Banking Relationship Growth+15
Industry Concentration+13
Utilization Level+12
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure increased by 1.7% month-over-month, currently at $15.00M. Banking relationships moved from 6 to 6 banks per CBRB data. CBRB rating remained stable from OLEM to OLEM. Current utilization is 46.0%. 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
Christopher Lopez
christopher.lopez@bank.com
+1 555 0143
Portfolio: $1.99B
Credit Risk Manager
Nathan Hernandez
nathan.hernandez@bank.com
+1 555 0231
Portfolio: $1.79B
Business Head
Sarah Brown
sarah.brown@bank.com
+1 555 0022
Portfolio: $2.17B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $8.20M | $6.80M | $15.00M | 46.0% | 6 | OLEM |
| 2026-05 | $8.72M | $6.03M | $14.75M | 42.6% | 6 | OLEM |
| 2026-04 | $8.99M | $5.10M | $14.09M | 48.0% | 6 | OLEM |
| 2026-03 | $8.83M | $5.87M | $14.71M | 49.2% | 6 | OLEM |
| 2026-02 | $7.67M | $6.30M | $13.97M | 48.0% | 6 | OLEM |
| 2026-01 | $7.59M | $6.76M | $14.35M | 50.3% | 6 | Substandard |
| 2025-12 | $8.42M | $5.85M | $14.27M | 51.8% | 6 | Substandard |
| 2025-11 | $7.82M | $6.42M | $14.25M | 51.9% | 6 | Substandard |
| 2025-10 | $8.60M | $5.22M | $13.82M | 51.4% | 5 | Substandard |
| 2025-09 | $7.92M | $6.59M | $14.52M | 55.6% | 5 | Substandard |
| 2025-08 | $9.03M | $6.07M | $15.10M | 58.3% | 5 | Substandard |
| 2025-07 | $9.51M | $4.94M | $14.46M | 61.4% | 5 | Substandard |