Commercial Real Estate Loan Underwriting

Commercial Real Estate Loan Underwriting

Our Services

Commercial real estate loan underwriting is a crucial process in the lending industry. It involves evaluating the creditworthiness and financial stability of a borrower to determine the risk associated with providing a loan. Underwriters assess various financial factors, including the borrower’s income, assets, and debt, as well as the property’s value, income potential, and market conditions. Underwriting is essential to minimize risk and ensure that the loan is repayable. Lenders use sophisticated software and financial models to assess the risk of a loan, and underwriters review the results to make a final decision. The process of underwriting commercial real estate loans involves several stages, including:
  1. Reviewing the loan application and property information
  2. Assessing the borrower’s credit history and financial statements
  3. Performing a property appraisal to determine the property’s value
  4. Analyzing the market conditions and competition for the property
  5. Determining the loan’s risk and determining the terms and interest rate
Commercial real estate loan underwriting is an important step in securing financing for your business. By thoroughly evaluating your financial stability and the property’s potential, underwriters help lenders make informed decisions about providing a loan. In conclusion, a well-structured commercial real estate loan underwriting process is critical for a successful loan outcome. By conducting a thorough review of the borrower’s financials and property, underwriters can help ensure that the loan is financially sound and secure.
Our Office

1825 NW Corporate Blvd. Suite 110
Boca Raton, FL 33431

Client Testimonials
Bob WehlandSVP – Business Banking
Freedom Federal Credit Union
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“I have personally worked with Robert and Alan for close to 10 years and would highly recommend MBLRA and their staff. I feel Robert and Alan know and understand our business members’ needs. They provide prompt response times and are very accessible, which helps us to better serve our members.”

Stephen JacobyCEO - Consumers Federal Credit Union
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“It has been a pleasure working with the MBLRA team for over 5 years now. They are a great help with structuring and underwriting our most complicated loan requests with amazing turn around times. I would highly recommend them for commercial credit administration services.”

Greg ClarkeRisk Manager - Arsenal Credit Union
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“We recently finished our second annual loan review with MBLRA. As with the first review, they were responsive, detailed, and accurate in their assessment. They pointed out weaknesses in our credit processes and helped us correct any shortcomings in preparation for our annual audit.”

Laura PanicaroVP Loan Administration and Reporting
Insight Credit Union
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“Robert and the team at MBLRA have been a great credit administration partner over the years. The underwriters are very knowledgeable and provide quick turnaround times on our deals, allowing us to better serve our members. The team is always available to answer any questions we may have or to simply bounce around ideas. They even go the extra mile and facilitate annual training for our Board of Directors in person. If you’re in the market for commercial credit administration services, give them a call”

Patty Hemmingsen, CPTMVP, Organizational & Business Development
Fortera Credit Union
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“MBLRA and their staff are extremely easy to work with and are definitely a value added partnership for the Credit Union. They help us serve our members with timely responses to our new business loan underwriting and annual review requests. If a loan request does not fit our risk appetite, they identify the risks and help us make an informed decision. We work with the same underwriter, get consistent feedback and excellent service. I would certainly recommend their services to Credit Unions large and small”.

Stephanie WalkerGeorgia United Credit Union
Chief Lending Officer
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If you are in need of support with your commercial/MBL portfolio management, MBL Risk Analytics, LLC is the best of the best!
Thank you, Robert and Alan for helping us review deals, manage our portfolio, and partner strategically on engagements that keep our eyes on the performance and future of our portfolio. 
Bill EnfingerCCUE EVP/Chief Lending Officer Envision Credit Union
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The quality of underwriting conducted by MBL Risk Analytics has been outstanding with the underwriting document containing pertinent information that regulators wants to see but also information that is critical to the loan approval process.  They have been flexible with the degree of underwriting to match our policy and our preferences but being straightforward enough to present a clear picture of the loan request itself.
Mike HalesCUinfluential
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Robert and his team at MBL Risk Analytics are Credit Union industry leaders when it comes to commercial loan underwriting, portfolio management and 3rd party loan review. I have personally worked with Robert in the past and know the wealth of knowledge he and his team have in the Credit Union industry. I would highly recommend MBL Risk Analytics for any of these services.   
Doris JacksonVP of Commercial Lending - Langley Federal Credit Union
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"We have had such a great experience with Robert and his staff for our 2022 and 2023 loan review project and after the work received high marks from the regulators, we knew immediately we would engage MBL Risk Analytics again for our 2024 loan review."
Alan BroaddusVP Internal Audit
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"We had a great experience with Robert and his staff for our 2023 loan review project and after the work received high marks from the regulators, we knew immediately we would engage MBL Risk Analytics again for our 2024 loan review."
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MBL Risk Analytics, LLC

MBL Risk Analytics was created to serve the needs of the credit union industry by providing industry leading member business loan (MBL) analysis and insight. We provide an à la carte section of credit administration services with no annual contracts. 

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