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Abstract BACKGROUNDEarly discrimination and prediction of cognitive decline are crucial for the study of neurodegenerative mechanisms and interventions to promote cognitive resiliency. METHODSOur research is based on resting‐state electroencephalography (EEG) and the current dataset includes 137 consensus‐diagnosed, community‐dwelling Black Americans (ages 60–90 years, 84 healthy controls [HC]; 53 mild cognitive impairment [MCI]) recruited through Wayne State University and Michigan Alzheimer's Disease Research Center. We conducted multiscale analysis on time‐varying brain functional connectivity and developed an innovative soft discrimination model in which each decision on HC or MCI also comes with a connectivity‐based score. RESULTSThe leave‐one‐out cross‐validation accuracy is 91.97% and 3‐fold accuracy is 91.17%. The 9 to 18 months’ progression trend prediction accuracy over an availability‐limited subset sample is 84.61%. CONCLUSIONThe EEG‐based soft discrimination model demonstrates high sensitivity and reliability for MCI detection and shows promising capability in proactive prediction of people at risk of MCI before clinical symptoms may occur.