We Help Empower
Your Business Loan Growth
Our expert loan underwriters are here to help you succeed.
Honesty
We believe that honesty is the foundation upon which all other aspects of our business are built. That is why we provide a free review of every project sent to us.
Transparency
Related to honesty, we aim to be transparent to our clients in all aspects: transparency in pricing, transparency in capacity, and transparency in credit philosophy.
Charity
We embrace the community aspect of Community Banking by giving back where we do business. Check out the “How We Give Back” section to learn more.
New Commercial Loan Underwriting & Annual Reviews
The core strength of our team at MBL Solutions is quality credit analysis, both at initial underwriting and annual review. We collaborate closely with clients to tailor our services to their needs and policies. Our comprehensive loan packages include:
For New Loan Requests:
For Annual Loan Reviews
For New Loan Requests:
- Free pre-screening for policy adherence.
- Financial analysis aligned with client policies.
- Detailed borrower and guarantor analysis.
- Full review of third-party reports.
- Intuitive loan package for client understanding.
- Recommended risk rating based upon client policies.
For Annual Loan Reviews
- Summary of loan details.
- Background of the subject loan.
- Financial analysis based on recent information.
- Detailed borrower and guarantor analysis.
- Summary of loan covenant and documentation compliance.
- Evaluation of strengths, weaknesses, concerns, and recommendations.
- Recommended risk rating based upon client policies.
Participation Underwriting & Analysis
Purchasing and selling a portion of Commercial Loans has become an effective way for financial institutions to either grow or shrink their Commercial loan portfolio. For the buyer, it is important to treat each opportunity similar to an organic loan opportunity in terms of credit analysis. Key features of our loan participation package include:
- Free pre-screening for policy adherence.
- Financial analysis aligned with client policies.
- Detailed borrower and guarantor analysis.
- Full review of third-party reports.
- Intuitive loan package for client understanding.
- Recommended risk rating based upon client policies.
Independent Loan & Portfolio Review
MBL Solutions specializes in providing third party credit reviews, a service recommended or required by federal and state auditors no matter whether the institution utilizes a third-party vendor or an in-house credit team. MBL Solutions collaborates with clients to offer a reliable third-party review, tailoring the review to specific client needs. The key points of each review include:
- Reviewing initial underwriting and/or annual reviews to ensure adherence to policy guidelines.
- Assessing loan compliance with covenants and documentation requirements.
- Verifying satisfactory completion of annual credit reviews and risk ratings.
- Evaluating documentation standards.
- Verifying security interest perfection.