AJ Ricketts, founder and Chief Credit Officer of MBL Solutions, has more than 15 years of experience in commercial lending, covering the full loan lifecycle from processing and closing to boarding and servicing. Since 2014, his focus has been credit analysis, where he has seen firsthand how the process in much of the industry has drifted toward a purely transactional exercise. That shift highlighted for him the need to restore compassion, understanding, and the community focus that once defined local banking.

MBL Solutions was created to change that and to serve as a trusted partner for credit unions and community banks. Under AJ’s leadership, the company is reintroducing the spirit of community banking into underwriting by pairing rigorous analysis with a genuine commitment to relationships, transparency, and trust. His vision is to ensure that the credit process serves not just the numbers, but also the people and institutions behind them.