Credit & Risk Management
Exposure includes open orders, undelivered goods, unbilled and unpaid
Total Credit ExposureJMD 48.6M
CUS-10045 is JMD 1,334,000
Customers on Hold17
▼ HLD-018 is active
High-Risk Accounts6
North Coast Retail is on the list
Credit portfolio
Limits are maintained by Nadine Blake. Scores are stored.
0 selected
| Customer | Credit Limit | Current Exposure | Available Credit | Payment Score | External Risk | Risk Score | Review Date | Status | |
|---|---|---|---|---|---|---|---|---|---|
| Kingston Industrial Supplies | JMD 2,500,000 | JMD 1,334,000 | JMD 1,166,000 | 82 | Standard | 71 | 01 Jan 2027 | Active | |
| North Coast Retail | JMD 500,000 | JMD 640,000 | JMD 0 | 54 | Watch | 38 | 01 Nov 2026 | Hold | |
| Caribbean Schools Trust | JMD 640,000 | JMD 216,000 | JMD 108,000 | 72 | Standard | 62 | 01 Jan 2027 | Active | |
| Parish Schools Board | JMD 660,000 | JMD 224,000 | JMD 112,000 | 73 | Standard | 63 | 01 Jan 2027 | Active | |
| Harbour Clinic Group | JMD 680,000 | JMD 232,000 | JMD 116,000 | 74 | Standard | 64 | 01 Jan 2027 | Active | |
| Caribbean Schools Trust | JMD 700,000 | JMD 240,000 | JMD 120,000 | 75 | Standard | 65 | 01 Jan 2027 | Active | |
| Parish Schools Board | JMD 720,000 | JMD 248,000 | JMD 124,000 | 76 | Watch | 66 | 01 Jan 2027 | Hold | |
| Harbour Clinic Group | JMD 740,000 | JMD 256,000 | JMD 128,000 | 77 | Standard | 67 | 01 Jan 2027 | Active | |
| Caribbean Schools Trust | JMD 760,000 | JMD 264,000 | JMD 132,000 | 78 | Standard | 68 | 01 Jan 2027 | Active | |
| Parish Schools Board | JMD 780,000 | JMD 272,000 | JMD 136,000 | 79 | Standard | 69 | 01 Jan 2027 | Active | |
| Harbour Clinic Group | JMD 800,000 | JMD 280,000 | JMD 140,000 | 80 | Standard | 70 | 01 Jan 2027 | Active | |
| Caribbean Schools Trust | JMD 820,000 | JMD 288,000 | JMD 144,000 | 81 | Standard | 71 | 01 Jan 2027 | Active | |
| Parish Schools Board | JMD 840,000 | JMD 296,000 | JMD 148,000 | 82 | Watch | 72 | 01 Jan 2027 | Hold | |
| Harbour Clinic Group | JMD 860,000 | JMD 304,000 | JMD 152,000 | 83 | Standard | 73 | 01 Jan 2027 | Active | |
| Caribbean Schools Trust | JMD 880,000 | JMD 312,000 | JMD 156,000 | 84 | Standard | 74 | 01 Jan 2027 | Active | |
| Parish Schools Board | JMD 900,000 | JMD 320,000 | JMD 160,000 | 85 | Standard | 75 | 01 Jan 2027 | Active |
No records match this filter.
Exposure
1,334,000 = 414,000 open + 920,000 unpaid. The schools order is unbilled because it has not left the dock.
0 selected
| Customer | Open Orders | Undelivered Shipments | Unbilled | Unpaid | Total Exposure | Credit Limit | Utilisation % | Available Credit | |
|---|---|---|---|---|---|---|---|---|---|
| Kingston Industrial Supplies | JMD 414,000 | JMD 0 | JMD 0 | JMD 920,000 | JMD 1,334,000 | JMD 2,500,000 | 53% | JMD 1,166,000 | |
| Caribbean Schools Trust | JMD 0 | JMD 756,000 | JMD 756,000 | JMD 0 | JMD 756,000 | JMD 1,800,000 | 42% | JMD 1,044,000 |
No records match this filter.
Credit check → hold → authorised release
Keisha Morgan requested the hold. Omar Reid can release it. Nadine Blake owns the limit and cannot release it.
Credit holds
Release records the reason. It does not change the limit.
0 selected
| Hold ID | Order | Customer | Exposure | Credit Limit | Breach Amount | Hold Reason | Requested By | Released By | Release Reason | Status | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| HLD-018 | SO-4418 | North Coast Retail | JMD 640,000 | JMD 500,000 | JMD 140,000 | Exposure above limit | Keisha Morgan | — | — | Active |
No records match this filter.
Risk and authority
Limit maintenance and hold release are different people on every row.
0 selected
| Customer | Risk Score | Payment History | External Signal | Exposure Risk | Credit Limit Owner | Hold Release Authority | Last Review | Status | |
|---|---|---|---|---|---|---|---|---|---|
| Kingston Industrial Supplies | 71 | Pays inside 28 days | Standard | 53% of limit | Nadine Blake | Omar Reid | 01 Aug 2026 | Split duties | |
| North Coast Retail | 38 | Two invoices past 45 days | Watch | Above limit | Nadine Blake | Omar Reid | 01 Oct 2026 | Hold active |
No records match this filter.
Release credit hold
OrderSO-4418
CustomerNorth Coast Retail
ExposureJMD 640,000
Credit limitJMD 500,000
BreachJMD 140,000
Release authorityOmar Reid
Release reasonPayment of JMD 160,000 promised for 08 Oct
Nadine Blake remains the limit owner. Releasing does not post cash.