Independent Loan and Portfolio Review

We work with our clients to provide sound, third-party, commercial loan portfolio review.

Our Services

One of the core services of MBL Risk Analytics (MBLRA) is the independent review of Commercial Loan portfolios. If you use a third-party firm or underwrite your commercial loans in-house, the federal and state auditors strongly recommend or require an independent review of the loan portfolio annually. We work with our clients to provide sound, third-party, commercial loan portfolio analysis and can tailor the review to meet the specific needs of each client. Our partners count on us annually to examine their portfolios and prepare them for any regulatory reviews. Together, we develop a customized scope of work to meet specific needs and areas of concern. 

Typical key points of each review are: 

  • Determining loan compliance with covenants and documentation requirements;
  • Verifying annual credit review and risk rating has been completed satisfactorily;
  • Continuous loan review and monitoring of troubled loans;
  • Troubled debt restructuring and workout options for problem assets;
  • Evaluation of documentation standards;
  • Review of initial underwriting and/or annual review, to ensure adherence to policy guidelines.
  • Verifying security interest perfection 

The final product is a complete and comprehensive loan review package outlining any items of concern and the recommended remedy for each. If we have identified any areas of concern, we then work with our client to take corrective action to verify the credit file is in proper order for the regulatory audit. As an additional service, we can also be retained to be present during regulatory audits to meet with the federal and state auditors as an advisor to the credit union.

Contact us to learn more about how we can help your organization.

Our Office

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

Client Testimonials
Bob WehlandSVP – Business Banking
Freedom Federal Credit Union

“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

“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

“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

“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

“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
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
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
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
"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
"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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