Our Leadership

No other organization exclusively serves the Credit Union industry and their need for credit administration services like MBLRA.

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Robert S. Hart – President

Robert is a 20+ year veteran of the commercial lending and credit industry. Prior to forming MBL Risk Analytics, he served as Senior Vice President – Chief Credit Officer and Vice President – Underwriting and Credit Manager for a South Florida based CUSO with its’ owners and clients based from as far south as Miami, Florida up to Massachusetts. He was responsible for the day to day operations of the Loan Processing, Underwriting, Credit Administration and Portfolio Management groups and personally managed a +/- $400MM Member Business Loan portfolio. Prior to this position, Robert held the position of Vice President – Underwriting Manager – Commercial Real Estate for Washington Mutual in Plantation, 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 Ricketts, Jr. – EVP – Chief Credit Officer

Alan has 10+ years of experience in commercial loan operations, originally with a focus in commercial loan processing, closing and servicing. The last 5+ years Alan has worked as a commercial loan underwriter, specializing in Member Business Loans for a number of credit unions throughout the eastern United States. Alan worked with Principal Robert Hart during his tenure as Senior Vice President – Chief Credit Officer and Vice President – Underwriting and Credit Manager for a South Florida based CUSO and joined MBL Risk Analytics in 2015. His underwriting and loan operations background includes all types of Member Business Loans including large office and retail income properties, multi-family buildings, C&I loans, construction loans and business loans to a variety of professional industries and associations. Prior to the CUSO world, Alan worked for one of the largest loan servicers in the country, Silver Hill Financial, LLC as a loan processor and originator.

Our Office

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

Client Testimonials

"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.”

“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.”

“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.”

“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.”

“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”

“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.