Redrock Agro Group
CIF-00687 · U75686GE2014PLC100687 · Retail Trade · Public Sector · Germany
RM: Mia Rodriguez
Credit Risk Manager: Harper Davis
Exposure: $38.43M
CBRB: Substandard
Internal: Substandard
Risk Score:74 · High
Total Exposure
$38.43M
Prev: $37.82M1.6%
Utilization
61.1%
Prev: 63.7%2.6pp
Banking Relationships
3
Prev: 30.0
CBRB Rating
Substandard
Prev: Substandard
Internal Rating
Substandard
Prev: OLEM
Open Alerts
3
C 0
H 1
M 2
L 0
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 Substandard.
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 5
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 4/30/2026 | Exposure Shift to Other Banks | Critical | Exposure with our bank declined while CBRB system exposure remained stable, indicating a shift to competitors. | Dismissed | Nathan Hernandez | — |
| 5/5/2026 | Increase in Number of Banks | Medium | Borrower has expanded banking relationships per CBRB data. | Open | Ryan Harris | — |
| 6/13/2026 | Exposure Shift to Other Banks | High | Exposure with our bank declined while CBRB system exposure remained stable, indicating a shift to competitors. | Open | Olivia Taylor | — |
| 12/28/2025 | Rating Upgrade | Low | Borrower rating improved to Substandard. | Dismissed | James Smith | — |
| 3/8/2026 | Utilization Above 70% | Medium | Facility utilization breached the 70% early-warning threshold. | Open | Charlotte Perez | — |
AI Risk Score
74
/ 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+15
Industry Concentration+9
Banking Relationship Growth+6
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure increased by 1.6% month-over-month, currently at $38.43M. Banking relationships moved from 3 to 3 banks per CBRB data. CBRB rating remained stable from Substandard to Substandard. Current utilization is 61.1%. 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
Mia Rodriguez
mia.rodriguez@bank.com
+1 555 0132
Portfolio: $2.26B
Credit Risk Manager
Harper Davis
harper.davis@bank.com
+1 555 0220
Portfolio: $2.09B
Business Head
James Smith
james.smith@bank.com
+1 555 0011
Portfolio: $2.05B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $24.93M | $13.50M | $38.43M | 61.1% | 3 | Substandard |
| 2026-05 | $21.16M | $16.67M | $37.82M | 63.7% | 3 | Substandard |
| 2026-04 | $23.55M | $15.47M | $39.03M | 64.6% | 4 | Substandard |
| 2026-03 | $26.50M | $14.08M | $40.58M | 70.2% | 4 | Substandard |
| 2026-02 | $20.14M | $18.14M | $38.28M | 64.7% | 4 | Substandard |
| 2026-01 | $23.93M | $12.25M | $36.18M | 60.5% | 4 | Substandard |
| 2025-12 | $23.16M | $14.20M | $37.37M | 63.3% | 4 | Substandard |
| 2025-11 | $20.69M | $14.32M | $35.01M | 59.4% | 4 | Substandard |
| 2025-10 | $18.33M | $14.63M | $32.97M | 63.4% | 4 | Substandard |
| 2025-09 | $17.78M | $13.25M | $31.03M | 62.8% | 4 | Substandard |
| 2025-08 | $16.64M | $13.47M | $30.11M | 62.0% | 4 | Substandard |
| 2025-07 | $19.64M | $9.81M | $29.45M | 61.0% | 4 | Substandard |