Our Leadership

No other organization exclusively serves the needs of banks, credit unions, financial institutions, and private lenders for credit administration services like MBLRA.

Robert S. Hart – President

Robert is a 25+ year veteran of the commercial lending and commercial credit industry. Prior to forming MBL Risk Analytics, he served as Senior Vice President – Chief Credit Officer for a South Florida based Credit Union Service Organization (CUSO) and publicly traded New York City based banks. At the CUSO he was responsible for the day-to-day operations of the Commercial Loan Processing, Underwriting, Credit Administration and Portfolio Management groups and personally managed a ~$400MM commercial loan portfolio consisting mostly of CRE. Prior to the CCO position, Robert held the position of Vice President – Underwriting Manager – Commercial Real Estate for Washington Mutual / JP Morgan Chase in South Florida, and New York City. He has also worked for several other publicly traded banks in New York City in various commercial credit and lending capacities dating back to the mid 1990’s. 

Alan J. Harper - Executive Vice President - Chief Credit Officer

Alan Harper has more than 30 years of commercial banking experience, which includes commercial credit analysis, commercial loan portfolio management, commercial lending for C&I and commercial real estate, construction loan disbursement management, special assets and OREO property management. Alan has worked for community banks, mid-size banks, and large commercial banks in Pennsylvania and Florida. Alan has been with MBL Risk Analytics since 2018. Alan is also a licensed community association manager in Naples, Florida where he helped found and manage a property management company. In banking, Alan has managed portfolios of commercial loans in excess of $500MM with individual clients that had borrowing relationships up to $75MM. Alan has experience in analyzing all types of commercial banking opportunities, and with his experience in commercial lending can effectively communicate, assist, and make sound credit recommendations to our clients. 

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.   
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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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