Participation Underwriting and Analysis

Whether your Financial institution is the purchaser, or the seller, MBLRA has a product that can assist.

Our Services

Purchasing and selling a portion of Commercial Loans (known as participations or syndications) has become an effective way for financial institutions to either grow or shrink their Commercial loan portfolio. MBL Risk Analytics (MBLRA) has been evaluating participation for both purchasing and selling since the beginning of this emerging trend. 

Although many commercial lenders have quality internal credit departments or outsource to an underwriting firm such as MBLRA, it is always prudent and recommended that any potential participation purchase be reviewed by a third party. We provide two services specifically relevant to commercial loan participation: underwriting and analysis of potential purchase opportunities and preparation of loan participation opportunity memos for commercial lenders selling participation. 

Each loan participation purchase package includes: 

  •  Pre-screening of any participation purchase opportunity (at no cost to the Client);
  • Comprehensive financial analysis prepared to client-specific policies and guidelines;
  • Comprehensive borrower and guarantor analysis;
  • Full review of all third-party reports, including credit reports, appraisal reports, and environmental reports/questionnaires;
  • A detailed loan package containing all the above in an intuitive, easy-to-understand format tailored to the specific requests of each client partner. 

The final product is a complete and comprehensive loan package showing MBLRA-prepared project analysis, detailed narrative, and conclusions ready to submit to your loan committee. The package also includes a recommended risk rating of the loan based on your specific risk rating matrix. Our credit presentation provides all the guidance and action steps you need to make an informed decision on any participation purchase opportunity.  

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

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”.

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.
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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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