Northstar Construction Inc
CIF-00077 · U75076CA2014PLC100077 · Wholesale Trade · Project Finance · Canada
RM: Sarah Brown
Credit Risk Manager: Isabella Williams
Exposure: $21.62M
CBRB: Normal
Internal: Normal
Risk Score:23 · Low
Total Exposure
$21.62M
Prev: $22.51M4.0%
Utilization
54.1%
Prev: 59.0%4.9pp
Banking Relationships
2
Prev: 20.0
CBRB Rating
Normal
Prev: Normal
Internal Rating
Normal
Prev: Normal
Open Alerts
2
C 0
H 0
M 1
L 1
Exposure Trend Analysis · 24 Months
Funded · Non-Funded · Total
Utilization Trend · Reporting Bank vs Other Banks
Threshold 70%
Rating Migration Timeline
No rating changes in the last 24 months. Currently Normal.
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 2
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 3/12/2026 | Exposure Reduction | Low | System-wide exposure declined materially over the prior month. | In Review | Andrew Garcia | — |
| 2/2/2026 | Utilization Above 70% | Medium | Facility utilization breached the 70% early-warning threshold. | In Review | Michael Miller | — |
AI Risk Score
23
/ 100
Low 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+15
Utilization Level+14
Industry Concentration+9
Banking Relationship Growth+6
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure decreased by 4.0% month-over-month, currently at $21.62M. Banking relationships moved from 2 to 2 banks per CBRB data. CBRB rating remained stable from Normal to Normal. Current utilization is 54.1%. Overall borrower risk is assessed as low.
Recommended Actions
Review Credit Facility Structure
HighSchedule Customer Meeting
MediumReassess Collateral Coverage
MediumEscalate to Credit Committee
LowInitiate Monthly Monitoring
MediumRelationship Team
Relationship Manager
Sarah Brown
sarah.brown@bank.com
+1 555 0022
Portfolio: $2.17B
Credit Risk Manager
Isabella Williams
isabella.williams@bank.com
+1 555 0110
Portfolio: $2.11B
Business Head
Charlotte Perez
charlotte.perez@bank.com
+1 555 0176
Portfolio: $2.23B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $12.19M | $9.42M | $21.62M | 54.1% | 2 | Normal |
| 2026-05 | $14.49M | $8.02M | $22.51M | 59.0% | 2 | Normal |
| 2026-04 | $12.11M | $9.62M | $21.73M | 55.2% | 2 | Normal |
| 2026-03 | $13.16M | $8.69M | $21.85M | 49.5% | 2 | Normal |
| 2026-02 | $14.53M | $7.83M | $22.36M | 43.6% | 2 | Normal |
| 2026-01 | $11.58M | $9.97M | $21.55M | 49.6% | 2 | Normal |
| 2025-12 | $12.64M | $8.54M | $21.19M | 51.0% | 2 | Normal |
| 2025-11 | $12.22M | $9.26M | $21.48M | 45.7% | 2 | Normal |
| 2025-10 | $13.08M | $8.01M | $21.09M | 51.3% | 2 | Normal |
| 2025-09 | $12.40M | $8.28M | $20.67M | 51.3% | 2 | Normal |
| 2025-08 | $11.06M | $8.91M | $19.97M | 47.8% | 2 | Normal |
| 2025-07 | $13.49M | $7.45M | $20.94M | 52.2% | 2 | Normal |