Westwood Enterprises Co.
CIF-01652 · U76651AU2014PLC101652 · Financial Services · Financial Institution · Australia
RM: Sarah Brown
Credit Risk Manager: Isabella Williams
Exposure: $31.21M
CBRB: Doubtful
Internal: Doubtful
Risk Score:76 · High
Total Exposure
$31.21M
Prev: $32.19M3.0%
Utilization
35.1%
Prev: 37.3%2.2pp
Banking Relationships
1
Prev: 10.0
CBRB Rating
Doubtful
Prev: Doubtful
Internal Rating
Doubtful
Prev: Doubtful
Open Alerts
3
C 0
H 2
M 1
L 0
Exposure Trend Analysis · 24 Months
Funded · Non-Funded · Total
Utilization Trend · Reporting Bank vs Other Banks
Threshold 70%
Rating Migration Timeline
2024-07
SubstandardStart
2025-04
DoubtfulDowngrade
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 7
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 12/20/2025 | Decrease in Number of Banks | High | One or more banks have exited the relationship. | Dismissed | Daniel Martin | — |
| 2/12/2026 | Rating Upgrade | Medium | Borrower rating improved to Doubtful. | Resolved | Michael Miller | 2/12/2026 |
| 3/2/2026 | Utilization Above 70% | High | Facility utilization breached the 70% early-warning threshold. | Resolved | Joseph Jackson | 3/2/2026 |
| 5/22/2026 | Utilization Above 70% | Medium | Facility utilization breached the 70% early-warning threshold. | Open | Olivia Taylor | — |
| 2/24/2026 | Utilization Above 70% | High | Facility utilization breached the 70% early-warning threshold. | Open | Lucas White | — |
| 6/11/2026 | Decrease in Number of Banks | High | One or more banks have exited the relationship. | Open | Mia Rodriguez | — |
| 1/16/2026 | Utilization Above 70% | High | Facility utilization breached the 70% early-warning threshold. | Dismissed | Jacob Moore | — |
AI Risk Score
76
/ 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+33
Industry Concentration+10
Utilization Level+9
Banking Relationship Growth+6
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure decreased by 3.0% month-over-month, currently at $31.21M. Banking relationships moved from 1 to 1 banks per CBRB data. CBRB rating remained stable from Doubtful to Doubtful. Current utilization is 35.1%. Overall borrower risk is assessed as high. 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
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 | $18.54M | $12.67M | $31.21M | 35.1% | 1 | Doubtful |
| 2026-05 | $18.95M | $13.23M | $32.19M | 37.3% | 1 | Doubtful |
| 2026-04 | $18.11M | $14.81M | $32.92M | 38.7% | 1 | Doubtful |
| 2026-03 | $17.02M | $14.10M | $31.12M | 37.4% | 1 | Doubtful |
| 2026-02 | $21.86M | $10.73M | $32.59M | 43.2% | 1 | Doubtful |
| 2026-01 | $19.52M | $11.69M | $31.21M | 48.6% | 1 | Doubtful |
| 2025-12 | $17.76M | $12.02M | $29.78M | 47.0% | 2 | Doubtful |
| 2025-11 | $17.15M | $11.33M | $28.48M | 44.2% | 2 | Doubtful |
| 2025-10 | $17.36M | $11.59M | $28.95M | 47.5% | 2 | Doubtful |
| 2025-09 | $17.94M | $11.06M | $29.00M | 45.3% | 1 | Doubtful |
| 2025-08 | $15.00M | $12.93M | $27.93M | 41.6% | 1 | Doubtful |
| 2025-07 | $17.60M | $10.10M | $27.70M | 41.1% | 1 | Doubtful |