Riverbend Pharma Co.
CIF-00961 · U75960BR2014PLC100961 · Agriculture · Financial Institution · Brazil
RM: Andrew Garcia
Credit Risk Manager: Benjamin Jones
Exposure: $37.73M
CBRB: Doubtful
Internal: Loss
Risk Score:89 · Critical
Total Exposure
$37.73M
Prev: $36.20M4.2%
Utilization
83.2%
Prev: 89.1%5.9pp
Banking Relationships
2
Prev: 20.0
CBRB Rating
Doubtful
Prev: Loss
Internal Rating
Loss
Prev: Loss
Open Alerts
3
C 0
H 0
M 2
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
LossStart
2025-03
DoubtfulUpgrade
2025-05
LossDowngrade
2026-04
DoubtfulUpgrade
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 4
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 4/21/2026 | Rating Upgrade | Medium | Borrower rating improved to Doubtful. | Open | Lucas White | — |
| 6/14/2026 | Increase in Number of Banks | Medium | Borrower has expanded banking relationships per CBRB data. | In Review | Christopher Lopez | — |
| 1/30/2026 | Exposure Shift to Other Banks | Critical | Exposure with our bank declined while CBRB system exposure remained stable, indicating a shift to competitors. | Dismissed | Matthew Sanchez | — |
| 2/1/2026 | Increase in Number of Banks | Low | Borrower has expanded banking relationships per CBRB data. | Open | Emily Martinez | — |
AI Risk Score
89
/ 100
Critical 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+33
Utilization Level+21
Internal Rating Drift+12
Industry Concentration+9
Banking Relationship Growth+6
Exposure Growth Trend+5
AI Risk Commentary
AI
Customer exposure increased by 4.2% month-over-month, currently at $37.73M. Banking relationships moved from 2 to 2 banks per CBRB data. CBRB rating improved from Loss to Doubtful. Current utilization is 83.2% — above the 70% early warning threshold. Overall borrower risk is assessed as critical. Recommend escalation to Credit Committee.
Recommended Actions
Review Credit Facility Structure
HighSchedule Customer Meeting
MediumReassess Collateral Coverage
HighEscalate to Credit Committee
CriticalInitiate 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 | $25.44M | $12.29M | $37.73M | 83.2% | 2 | Doubtful |
| 2026-05 | $20.34M | $15.86M | $36.20M | 89.1% | 2 | Doubtful |
| 2026-04 | $21.87M | $15.74M | $37.61M | 86.4% | 2 | Doubtful |
| 2026-03 | $23.12M | $14.05M | $37.18M | 82.9% | 2 | Loss |
| 2026-02 | $23.78M | $12.97M | $36.75M | 82.8% | 2 | Loss |
| 2026-01 | $22.68M | $13.12M | $35.80M | 79.5% | 1 | Loss |
| 2025-12 | $24.04M | $12.48M | $36.53M | 80.1% | 1 | Loss |
| 2025-11 | $22.42M | $13.27M | $35.70M | 78.3% | 1 | Loss |
| 2025-10 | $18.59M | $15.87M | $34.46M | 77.3% | 1 | Loss |
| 2025-09 | $20.65M | $11.80M | $32.44M | 77.5% | 1 | Loss |
| 2025-08 | $17.11M | $13.21M | $30.32M | 72.3% | 1 | Loss |
| 2025-07 | $16.97M | $14.31M | $31.28M | 75.1% | 1 | Loss |