Cardinal Aviation Co.
CIF-00081 · U75080AU2014PLC100081 · Telecom · Financial Institution · Australia
RM: Olivia Taylor
Credit Risk Manager: Amelia Thomas
Exposure: $38.19M
CBRB: Substandard
Internal: Doubtful
Risk Score:60 · Medium
Total Exposure
$38.19M
Prev: $39.24M2.7%
Utilization
12.9%
Prev: 12.8%0.1pp
Banking Relationships
7
Prev: 70.0
CBRB Rating
Substandard
Prev: Substandard
Internal Rating
Doubtful
Prev: Doubtful
Open Alerts
2
C 1
H 0
M 0
L 1
Exposure Trend Analysis · 24 Months
Funded · Non-Funded · Total
Utilization Trend · Reporting Bank vs Other Banks
Threshold 70%
Rating Migration Timeline
2024-07
NormalStart
2025-01
OLEMDowngrade
2025-05
SubstandardDowngrade
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 4
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 1/22/2026 | Exposure Increase | Low | System-wide exposure increased materially over the prior month. | In Review | Grace Lee | — |
| 1/29/2026 | Rating Downgrade | High | Borrower rating migrated from Substandard to Substandard. | Dismissed | James Smith | — |
| 1/14/2026 | Rating Downgrade | Critical | Borrower rating migrated from Substandard to Substandard. | In Review | Charlotte Perez | — |
| 1/16/2026 | Rating Downgrade | High | Borrower rating migrated from Substandard to Substandard. | Resolved | Michael Miller | 1/16/2026 |
AI Risk Score
60
/ 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
Banking Relationship Growth+15
Industry Concentration+14
Internal Rating Drift+12
Exposure Growth Trend+5
Utilization Level+3
AI Risk Commentary
AI
Customer exposure decreased by 2.7% month-over-month, currently at $38.19M. Banking relationships moved from 7 to 7 banks per CBRB data. CBRB rating remained stable from Substandard to Substandard. Current utilization is 12.9%. 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
Olivia Taylor
olivia.taylor@bank.com
+1 555 0066
Portfolio: $2.26B
Credit Risk Manager
Amelia Thomas
amelia.thomas@bank.com
+1 555 0154
Portfolio: $1.86B
Business Head
Harper Davis
harper.davis@bank.com
+1 555 0220
Portfolio: $2.09B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $21.81M | $16.39M | $38.19M | 12.9% | 7 | Substandard |
| 2026-05 | $23.31M | $15.93M | $39.24M | 12.8% | 7 | Substandard |
| 2026-04 | $25.97M | $14.96M | $40.93M | 15.3% | 7 | Substandard |
| 2026-03 | $28.03M | $14.62M | $42.65M | 13.3% | 7 | Substandard |
| 2026-02 | $25.16M | $18.64M | $43.81M | 18.3% | 7 | Substandard |
| 2026-01 | $27.68M | $16.08M | $43.76M | 20.3% | 7 | Substandard |
| 2025-12 | $25.55M | $19.72M | $45.27M | 26.1% | 7 | Substandard |
| 2025-11 | $29.73M | $17.40M | $47.13M | 24.6% | 6 | Substandard |
| 2025-10 | $27.78M | $16.67M | $44.45M | 24.0% | 7 | Substandard |
| 2025-09 | $26.50M | $15.94M | $42.44M | 27.5% | 7 | Substandard |
| 2025-08 | $24.50M | $15.66M | $40.16M | 24.2% | 7 | Substandard |
| 2025-07 | $25.75M | $15.79M | $41.54M | 25.0% | 7 | Substandard |