Greenfield Telecom Inc
CIF-00061 · U75060SI2014PLC100061 · Manufacturing · Public Sector · Singapore
RM: Andrew Garcia
Credit Risk Manager: Benjamin Jones
Exposure: $11.58M
CBRB: Substandard
Internal: OLEM
Risk Score:65 · High
Total Exposure
$11.58M
Prev: $11.34M2.1%
Utilization
44.4%
Prev: 46.3%1.9pp
Banking Relationships
7
Prev: 70.0
CBRB Rating
Substandard
Prev: OLEM
Internal Rating
OLEM
Prev: Normal
Open Alerts
2
C 1
H 0
M 1
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
2024-10
NormalUpgrade
2025-01
OLEMDowngrade
2026-05
SubstandardDowngrade
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 2
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 4/29/2026 | Increase in Number of Banks | Medium | Borrower has expanded banking relationships per CBRB data. | Open | Ryan Harris | — |
| 2/2/2026 | Rating Downgrade | Critical | Borrower rating migrated from OLEM to Substandard. | In Review | Charlotte Perez | — |
AI Risk Score
65
/ 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
Banking Relationship Growth+15
Industry Concentration+14
Utilization Level+11
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure increased by 2.1% month-over-month, currently at $11.58M. Banking relationships moved from 7 to 7 banks per CBRB data. CBRB rating deteriorated from OLEM to Substandard. Current utilization is 44.4%. 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
Andrew Garcia
andrew.garcia@bank.com
+1 555 0121
Portfolio: $2.16B
Credit Risk Manager
Benjamin Jones
benjamin.jones@bank.com
+1 555 0209
Portfolio: $2.38B
Business Head
Lucas White
lucas.white@bank.com
+1 555 0275
Portfolio: $2.27B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $6.91M | $4.67M | $11.58M | 44.4% | 7 | Substandard |
| 2026-05 | $7.44M | $3.90M | $11.34M | 46.3% | 7 | Substandard |
| 2026-04 | $6.89M | $4.10M | $10.99M | 41.2% | 7 | OLEM |
| 2026-03 | $6.74M | $4.27M | $11.00M | 47.1% | 7 | OLEM |
| 2026-02 | $6.08M | $4.86M | $10.94M | 45.1% | 7 | OLEM |
| 2026-01 | $6.16M | $4.24M | $10.40M | 43.2% | 7 | OLEM |
| 2025-12 | $6.88M | $3.78M | $10.66M | 38.6% | 7 | OLEM |
| 2025-11 | $5.99M | $4.71M | $10.70M | 40.5% | 7 | OLEM |
| 2025-10 | $5.97M | $4.92M | $10.89M | 40.1% | 7 | OLEM |
| 2025-09 | $6.93M | $4.02M | $10.95M | 45.7% | 7 | OLEM |
| 2025-08 | $5.72M | $4.97M | $10.69M | 49.6% | 7 | OLEM |
| 2025-07 | $6.13M | $4.67M | $10.81M | 47.4% | 7 | OLEM |