Independent Loan and Portfolio Review

We work with our credit unions partners to provide sound, third-party, MBL portfolio review.

Our Services

One of the core services of MBL Risk Analytics (MBLRA) is the independent review of Credit Union Member Business Loan portfolios. If you have a Credit Union Service Organization (CUSO) or underwrite your MBL’s in house, the NCUA strongly recommends an independent review of the loan portfolio annually. We work with our CU partners to provide sound, third-party, MBL portfolio analysis and can tailor the review to meet the specific needs of each client. Our CU partners count on us annually to examine their portfolio 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 credit union 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 NCUA and state auditors as an advisor to the credit union.

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

Our Office

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

Client Testimonials

Mike NiemeyerDirector of Business Services
Y-12 Federal Credit Union
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"Robert and his team at MBLRA have been a great strategic partner for our commercial credit administration needs. They have also been instrumental in working with new employees in the department to get them acclimated to how we work together as a team, which drives our success. They would be a great strategic partner for any Credit Union.”

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”.

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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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