Vertex Enterprises Inc
CIF-01350 · U76349SI2014PLC101350 · Telecom · Public Sector · Singapore
RM: Lucas White
Credit Risk Manager: Sophia Thompson
Exposure: $38.62M
CBRB: Doubtful
Internal: Doubtful
Risk Score:91 · Critical
Total Exposure
$38.62M
Prev: $37.54M2.9%
Utilization
59.8%
Prev: 63.4%3.6pp
Banking Relationships
3
Prev: 30.0
CBRB Rating
Doubtful
Prev: Doubtful
Internal Rating
Doubtful
Prev: Doubtful
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
2024-07
SubstandardStart
2024-08
DoubtfulDowngrade
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 4
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 6/15/2026 | Increase in Number of Banks | Medium | Borrower has expanded banking relationships per CBRB data. | Open | Sarah Brown | — |
| 5/13/2026 | Exposure Reduction | Medium | System-wide exposure declined materially over the prior month. | Dismissed | Sophia Thompson | — |
| 2/23/2026 | Exposure Reduction | Low | System-wide exposure declined materially over the prior month. | In Review | Sophia Thompson | — |
| 5/12/2026 | Exposure Shift to Other Banks | High | Exposure with our bank declined while CBRB system exposure remained stable, indicating a shift to competitors. | Dismissed | Benjamin Jones | — |
AI Risk Score
91
/ 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+15
Industry Concentration+9
Banking Relationship Growth+6
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure increased by 2.9% month-over-month, currently at $38.62M. Banking relationships moved from 3 to 3 banks per CBRB data. CBRB rating remained stable from Doubtful to Doubtful. Current utilization is 59.8%. Overall borrower risk is assessed as critical. Recommend escalation to Credit Committee.
Recommended Actions
Review Credit Facility Structure
HighSchedule Customer Meeting
MediumReassess Collateral Coverage
MediumEscalate to Credit Committee
CriticalInitiate Monthly Monitoring
MediumRelationship Team
Relationship Manager
Lucas White
lucas.white@bank.com
+1 555 0275
Portfolio: $2.27B
Credit Risk Manager
Sophia Thompson
sophia.thompson@bank.com
+1 555 0088
Portfolio: $2.03B
Business Head
Amelia Thomas
amelia.thomas@bank.com
+1 555 0154
Portfolio: $1.86B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $24.84M | $13.78M | $38.62M | 59.8% | 3 | Doubtful |
| 2026-05 | $22.49M | $15.05M | $37.54M | 63.4% | 3 | Doubtful |
| 2026-04 | $19.67M | $16.26M | $35.93M | 58.0% | 3 | Doubtful |
| 2026-03 | $20.07M | $16.13M | $36.20M | 63.0% | 3 | Doubtful |
| 2026-02 | $24.46M | $12.61M | $37.07M | 58.1% | 3 | Doubtful |
| 2026-01 | $20.63M | $15.61M | $36.23M | 53.9% | 3 | Doubtful |
| 2025-12 | $23.23M | $12.70M | $35.93M | 51.3% | 3 | Doubtful |
| 2025-11 | $23.73M | $12.32M | $36.05M | 55.0% | 3 | Doubtful |
| 2025-10 | $18.41M | $16.51M | $34.92M | 51.8% | 3 | Doubtful |
| 2025-09 | $19.60M | $14.52M | $34.12M | 51.7% | 3 | Doubtful |
| 2025-08 | $17.97M | $14.12M | $32.09M | 47.1% | 3 | Doubtful |
| 2025-07 | $17.47M | $14.38M | $31.84M | 45.8% | 3 | Doubtful |