Cardinal Telecom Group
CIF-00051 · U75050JA2014PLC100051 · Wholesale Trade · SME · Japan
RM: James Smith
Credit Risk Manager: Matthew Sanchez
Exposure: $45.08M
CBRB: Substandard
Internal: OLEM
Risk Score:75 · High
Total Exposure
$45.08M
Prev: $46.00M2.0%
Utilization
64.2%
Prev: 67.5%3.3pp
Banking Relationships
7
Prev: 70.0
CBRB Rating
Substandard
Prev: Substandard
Internal Rating
OLEM
Prev: OLEM
Open Alerts
2
C 0
H 0
M 0
L 2
Exposure Trend Analysis · 24 Months
Funded · Non-Funded · Total
Utilization Trend · Reporting Bank vs Other Banks
Threshold 70%
Rating Migration Timeline
2024-07
SubstandardStart
2024-10
DoubtfulDowngrade
2025-12
SubstandardUpgrade
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 2
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 3/29/2026 | Exposure Reduction | Low | System-wide exposure declined materially over the prior month. | Open | Nathan Hernandez | — |
| 2/5/2026 | Rating Upgrade | Low | Borrower rating improved to Substandard. | Open | Emily Martinez | — |
AI Risk Score
75
/ 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+27
Utilization Level+16
Banking Relationship Growth+15
Industry Concentration+15
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure decreased by 2.0% month-over-month, currently at $45.08M. Banking relationships moved from 7 to 7 banks per CBRB data. CBRB rating remained stable from Substandard to Substandard. Current utilization is 64.2%. 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
James Smith
james.smith@bank.com
+1 555 0011
Portfolio: $2.05B
Credit Risk Manager
Matthew Sanchez
matthew.sanchez@bank.com
+1 555 0099
Portfolio: $2.20B
Business Head
Joseph Jackson
joseph.jackson@bank.com
+1 555 0165
Portfolio: $2.24B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $26.64M | $18.44M | $45.08M | 64.2% | 7 | Substandard |
| 2026-05 | $30.79M | $15.22M | $46.00M | 67.5% | 7 | Substandard |
| 2026-04 | $30.37M | $15.81M | $46.18M | 65.2% | 7 | Substandard |
| 2026-03 | $29.84M | $14.81M | $44.65M | 67.2% | 7 | Substandard |
| 2026-02 | $26.01M | $17.35M | $43.36M | 70.7% | 7 | Substandard |
| 2026-01 | $23.43M | $18.24M | $41.67M | 69.8% | 7 | Substandard |
| 2025-12 | $21.56M | $19.13M | $40.69M | 67.5% | 7 | Substandard |
| 2025-11 | $23.93M | $15.25M | $39.17M | 67.0% | 7 | Doubtful |
| 2025-10 | $24.77M | $12.87M | $37.64M | 64.6% | 6 | Doubtful |
| 2025-09 | $23.27M | $12.29M | $35.55M | 65.0% | 6 | Doubtful |
| 2025-08 | $19.39M | $13.99M | $33.38M | 68.6% | 6 | Doubtful |
| 2025-07 | $17.98M | $13.28M | $31.26M | 67.5% | 6 | Doubtful |