Northwind Partners SA
CIF-00043 · U75042US2014PLC100043 · Healthcare · Commercial · USA
RM: Ava Johnson
Credit Risk Manager: James Smith
Exposure: $545.9K
CBRB: OLEM
Internal: Substandard
Risk Score:64 · High
Total Exposure
$545.9K
Prev: $511.2K6.8%
Utilization
69.3%
Prev: 65.9%3.4pp
Banking Relationships
5
Prev: 50.0
CBRB Rating
OLEM
Prev: OLEM
Internal Rating
Substandard
Prev: OLEM
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
2024-07
OLEMStart
2025-04
SubstandardDowngrade
2026-03
OLEMUpgrade
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 2
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 5/24/2026 | Exposure Shift to Other Banks | High | Exposure with our bank declined while CBRB system exposure remained stable, indicating a shift to competitors. | Open | David Wilson | — |
| 5/5/2026 | Increase in Number of Banks | Medium | Borrower has expanded banking relationships per CBRB data. | Resolved | Andrew Garcia | 5/5/2026 |
AI Risk Score
64
/ 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+21
Utilization Level+17
Industry Concentration+16
Banking Relationship Growth+15
Internal Rating Drift+12
Exposure Growth Trend+5
AI Risk Commentary
AI
Customer exposure increased by 6.8% month-over-month, currently at $545.9K. Banking relationships moved from 5 to 5 banks per CBRB data. CBRB rating remained stable from OLEM to OLEM. Current utilization is 69.3%. Overall borrower risk is assessed as high.
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 | $352.9K | $193.0K | $545.9K | 69.3% | 5 | OLEM |
| 2026-05 | $339.2K | $172.0K | $511.2K | 65.9% | 5 | OLEM |
| 2026-04 | $323.5K | $178.9K | $502.4K | 66.4% | 5 | OLEM |
| 2026-03 | $311.3K | $165.4K | $476.8K | 70.3% | 5 | OLEM |
| 2026-02 | $311.3K | $150.3K | $461.6K | 65.6% | 5 | Substandard |
| 2026-01 | $282.7K | $191.2K | $474.0K | 60.0% | 5 | Substandard |
| 2025-12 | $251.3K | $204.1K | $455.4K | 62.5% | 5 | Substandard |
| 2025-11 | $271.4K | $205.6K | $477.0K | 61.7% | 5 | Substandard |
| 2025-10 | $277.7K | $219.0K | $496.7K | 59.6% | 5 | Substandard |
| 2025-09 | $312.8K | $178.3K | $491.1K | 56.4% | 5 | Substandard |
| 2025-08 | $300.7K | $170.5K | $471.2K | 58.5% | 5 | Substandard |
| 2025-07 | $302.0K | $147.8K | $449.8K | 61.7% | 5 | Substandard |