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.

Get In Touch Now!

Our Team

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

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 J. Harper – Senior Vice President

Alan has in excess of 25 years of commercial banking experience, which includes commercial credit analysis, commercial loan portfolio management, commercial lending for C&I and real estate industries, construction loan disbursement management, special assets and OREO property management. Alan was employed as Senior Credit Analyst for First National Bank of Naples; Senior Commercial Credit Analyst, Credit Officer and Commercial Real Estate Portfolio Manager for SouthTrust Bank; Vice President and Commercial Real Estate Lender for Iron Stone Bank to name a few. Prior to joining MBL Risk Analytics, he has been the CFO for Paramount Property Management in Naples, Florida. Alan managed portfolios of commercial loans in excess of $500MM with individual clients that had borrowing relationships up to $75MM.

Alan Ricketts, Jr. – Executive Vice President

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.

Carol Wakefield, MBA – Senior Consultant

Carol’s career spans over 40 years getting her start in the industry in 1975 as a Commercial Loan Officer for Wells Fargo Bank in the Greater Los Angeles, CA area. Most recently Ms. Wakefield has held the position Senior Vice President of Business Lending for NIH Federal Credit Union in Rockville, MD where she created and implemented Member Business Lending programs. She also held the position of Manager of the Member Business Loan Department at AltaOne Federal Credit Union in Ridgecrest, CA. Additionally, she wrote the “Credit Union Guide to Member Business Lending” and “Small Business Lending for Financial Institutions”, for the publisher Sheshunoff in 2005.