Services
Loan Servicing
MBL services all commercial loan types, from CRE to SBA, as well as loan participations to one or more participants.
Payment and Distribution
ACH payment services
Monthly Statements
Escrow Services
Annual borrower interest statements
Standard and customized report distribution
Covenant tracking
UCC monitoring, renewal, and termination
Loan payoff statement
Loan account adjustments
Electronic loan file management
Reporting to the three business credit bureaus
Term out letters for revolving lines of credit, delinquent notices
SBA 1502 reporting and exceptions management
Web-based real-time loan transaction information
Portfolio Dashboard Reporting
An overview of your MBL-serviced portfolio’s activity:
· Referrals
· Growth Rate
· Withdrawal Rate
· Return on Asset
· Approval Rate
· Trouble Rate
· Funding Rate
· SBA Purchase Rate
· Exceptions Rate
Program trends analysis
Analyze your commercial loan portfolio activity, utilizing detailed trending charts, which provide a visual display of your portfolio activity over the most recent 12 months
Portfolio mix and concentration
An overview of your portfolio by Loan Type, Industry, Collateral Type and Call Code
Portfolio Exceptions
Loan file exceptions by level of severity and aging
Program payment performance
A breakdown of your credit union's portfolio by payment status. This section also contains a breakout of your portfolio’s delinquent loans by Loan Class, displayed by number of loans and portfolio balance
Rolling 12-month charge offs
An overview of all loans charged off within the most recent 12 months, and is separated into three sections, SBA loans only, conventional loans only, and as a combined portfolio. Plus reports like your SBA Purchase Rate and so much more.
Portfolio Monitoring
Monitor loan production and loan file integrity with the use of reports specially designed for your program management team
Weekly Pipeline Reporting
A weekly status update on each of your loans within MBL’s working pipeline
exceptions Reporting
Loan file deficiencies that could jeopardize the SBA guaranty, loan collectability, or could create an examiner finding
Maturing Loans Reporting
This monthly report provides a list of all loans set to mature within 90 days
Detailed Delinquent Loans reporting
Includes loan level data for all loans in your commercial loan portfolio that are 60 days or more past due and flags loans considered to be early delinquencies (loans that are 60 or more days past due that are aged less than 18 months)
Detailed Adverse Risk Rating Reporting
A “watch list” used to monitor loans that have been identified as having “adverse” risk. Loans with adverse risks include those with a less than “Satisfactory” rating, classified as Troubled Debt Restructure (TDR), or that have been flagged by the credit union for additional monitoring
Account Reporting
Simple, easy-to-read daily reports aid and assist in proficient and accurate commercial portfolio management. We will provide your technicians with the tools they need to efficiently serve your members
Daily Activity Reporting
Used to balance payments, disbursements, and other transactions
Trial balance reporting
Provides the balances and accrued interest on borrowers/participations, plus other loan level information, for all active loans within your portfolio
Past due loans reporting
Provides loan level information for all loans in your portfolio that are more than 10 days past due. Includes supplementary information not included in the delinquency reports