MBL RISK ANALYTICS LLC
BOCA RATON, FLORIDA

About MBL Risk Analytics MBL Risk Analytics was formed to exclusively assist Credit Unions with their Member Business Lending credit administration needs. No other organization exclusively serves the Credit Union industry and their need for credit administration services the way MBL Risk Analytics does. We are unlike a CUSO or other providers of similar services in that we do not originate or arrange participations of Member Business Loans and ONLY focus our efforts on the credit administration functions of a Credit Union. This allows us to provide true third party reviews, new business underwriting and strategic planning, as we have no financial interest in the transaction. In addition to management expertise in Credit Union specific Member Business Lending, our staff was carefully chosen from a small pool of candidates that have Credit Union and CUSO backgrounds. It is important to our clients to know that we understand the needs and challenges specific to the Credit Union industry. Carol's career spans nearly 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. Robert is a 20+ year veteran of the commercial lending and credit industry. He last served for five and half years 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 and also has 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. Delmar brings to the management team more than 22 years of commercial finance and business banking experience. Delmar has consulted to Credit Unions and worked for the same South Florida based CUSO as Mr. Hart where he served as Team Leader and Senior Credit Analyst. He served as Executive Vice President - Director of Finance for a regional non-profit commercial real estate equity fund, Vice President of Commercial Lending with Bank of America and Washington Mutual. Delmar leads the Process Improvement and Strategic Planning division of the organization and provides knowledge and expertise in the areas of commercial real estate lending, small and middle market business lending and loan servicing. He is a graduate of the ABA - National Commercial Lending School at the University of Oklahoma and the Robert Morris Associates (OMEGA) Commercial Loans to Business. He holds a Bachelor of Science degree in Business Administration with a major in Accounting and minor in Economics from Philadelphia University, Philadelphia, PA. Alan has approximately 10 years of experience in commercial loan operations, more specifically in commercial loan processing, closing and servicing with the last 5 years as a commercial loan underwriter. Alan has worked with Principal Robert Hart at a South Florida Based CUSO for approximately 6 years and has been with the firm for approximately a year. His underwriting and loan operations background includes all types of Member Business Loans from unsecured lines of credit to complex real estate secured loans. 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. About MBL Risk Analytics MBL Risk Analytics, LLC is a Member Business Lending, credit administration service organization serving U.S. based Credit Unions of all sizes. Since we exclusively serve Credit Unions we deliver the most comprehensive credit administration services in the industry. Our services exceed the most current National Credit Union Administration (NCUA) standards. We do not originate loans or arrange loan participations and we do not act as a Credit Union Service Organization (CUSO), so our ONLY focus is sound credit administration and portfolio management specifically for Credit Unions. We provide an ala carte selection of credit administration services including: We provide our clients the most comprehensive third party loan review in the industry by being a Credit Union specific organization. Senior Management and staff have been involved with numerous NCUA audits and know exactly what the examiners are looking for when reviewing a file for compliance. We ensure that all credit files in order so the Credit Union is well prepared for their regulatory audit(s) months in advance. New Member Business Loan underwriting We have experienced success assisting Credit Unions with their new Member Business Loan requests by becoming more efficient, managing their operating overhead and being more responsive to their member business needs. Some of our Credit Union clients cannot afford the expense of maintaining a full staff of underwriters and credit professionals. That's where can help. We have helped Credit Unions become more efficient with their current Member Business Loan programs from a processing, underwriting, portfolio management and policy perspective. We have also helped Credit Unions who did not offer Member Business Loan programs by designing the platform, writing policies and procedures and much more.