Riverbend Healthcare Inc
CIF-00050 · U75049JA2014PLC100050 · Healthcare · Micro Enterprise · Japan
RM: Lucas White
Credit Risk Manager: Sophia Thompson
Exposure: $14.42M
CBRB: Substandard
Internal: Substandard
Risk Score:58 · Medium
Total Exposure
$14.42M
Prev: $14.99M3.8%
Utilization
43.6%
Prev: 45.9%2.3pp
Banking Relationships
2
Prev: 20.0
CBRB Rating
Substandard
Prev: Substandard
Internal Rating
Substandard
Prev: Substandard
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
2025-04
SubstandardDowngrade
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 0
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| No alerts match filters. | ||||||
AI Risk Score
58
/ 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+11
Banking Relationship Growth+6
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure decreased by 3.8% month-over-month, currently at $14.42M. Banking relationships moved from 2 to 2 banks per CBRB data. CBRB rating remained stable from Substandard to Substandard. Current utilization is 43.6%. 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
Lucas White
lucas.white@bank.com
+1 555 0275
Portfolio: $2.27B
Credit Risk Manager
Sophia Thompson
sophia.thompson@bank.com
+1 555 0088
Portfolio: $2.03B
Business Head
Amelia Thomas
amelia.thomas@bank.com
+1 555 0154
Portfolio: $1.86B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $8.50M | $5.93M | $14.42M | 43.6% | 2 | Substandard |
| 2026-05 | $7.95M | $7.04M | $14.99M | 45.9% | 2 | Substandard |
| 2026-04 | $9.19M | $6.08M | $15.27M | 51.1% | 2 | Substandard |
| 2026-03 | $9.25M | $6.42M | $15.66M | 46.5% | 2 | Substandard |
| 2026-02 | $10.54M | $5.12M | $15.65M | 43.4% | 2 | Substandard |
| 2026-01 | $11.05M | $5.42M | $16.47M | 45.8% | 2 | Substandard |
| 2025-12 | $10.90M | $6.04M | $16.94M | 44.1% | 2 | Substandard |
| 2025-11 | $9.69M | $7.55M | $17.24M | 44.7% | 2 | Substandard |
| 2025-10 | $8.98M | $7.30M | $16.28M | 44.8% | 2 | Substandard |
| 2025-09 | $10.05M | $6.74M | $16.79M | 46.1% | 2 | Substandard |
| 2025-08 | $9.36M | $8.25M | $17.61M | 47.2% | 2 | Substandard |
| 2025-07 | $10.51M | $6.05M | $16.56M | 46.4% | 2 | Substandard |