New MBL Underwriting and Annual Review

Quality initial credit analysis and underwriting is imperative to a sound and profitable loan.

Our Services

Quality initial credit analysis and underwriting is imperative to a sound and profitable loan. The Senior Management and staff at MBL Risk Analytics (MBLRA) have underwritten countless Member Business Loans that have since been reviewed by NCUA and state auditors and received top remarks. We work with our clients to develop a customized scope of work to meet their specific needs and budget. Each loan package includes, but not limited to:

  • Pre-screening and structuring of new loan requests (at no cost to the CU);
  • Comprehensive financial analysis prepared to CU specific policies and guidelines;
  • Detailed borrower and guarantor analysis;
  • Full review of all third-party reports, including: credit reports, appraisal reports, and environmental reports/questionnaires;
  • An in depth loan package in an intuitive, easy to understand format tailored to the specific requests of each CU partner.

The final product is a complete and comprehensive loan package showing MBLRA prepared project analysis, detailed narrative, and conclusions ready to submit for approval. The package also includes a risk rating of the loan based upon your guidelines, conditions to be satisfied prior to closing, and loan covenants which adhere to CU specific credit policies. Our credit presentation provides all the information you need to make an informed decision on your MBL request.

Similarly, performing a thorough annual review of each MBL is vital to ensure that your borrowers are meeting required covenants and to prepare the CU for any course of action needed on the loan. MBLRA has the necessary skills to evaluate any MBL whether originally underwritten in-house, by MBLRA previously, or another vendor. The annual review is tailored to the needs of each CU partner and includes but is not limited to:

  • Summary of the loan details (open date, maturity date, original and current balance, Etc.);
  • Background of the subject loan discussing the purpose and initial underwriting of the loan;
  • Comprehensive financial analysis based upon the most recent available financial information, including any changes since original underwriting;
  • Detailed borrower and guarantor analysis, including any changes since original underwriting;
  • Summary loan covenant and documentation requirements and whether each are being met;
  • Strengths, weaknesses, concerns (if any) and recommendations.

The final product is a detailed annual review package summarizing the current status of the loan and any recommendations as needed. The package also includes a new risk rating based upon your guidelines.

New MBL underwriting and annual review services are available on an ongoing or individual loan basis.
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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