Risk management system
First Claim
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1. A risk management system, comprising:
- a. a loan policy system comprising a loan policy, the loan policy comprising a set of rules;
b. at least one risk data system in communication with the loan policy system;
c. a risk system in communication with the loan policy system and the risk data system, the risk system adapted to process data from the loan policy system and the risk data system for the purpose of performing risk assessment; and
, d. a user interface in communication with the risk system for reporting the result of the risk assessment.
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Abstract
A risk management system is disclosed comprising a loan policy, at least one risk data system, and a risk system for assessing and evaluating risk. In addition, a method of risk management is disclosed, comprising: establishing a loan policy; monitoring data from a risk data system; comparing the data to the loan policy; recording a risk event if a deviation occurs between the data and the loan policy; performing a risk assessment of the risk event; and enabling a user the access the results of the risk assessment.
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Citations
50 Claims
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1. A risk management system, comprising:
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a. a loan policy system comprising a loan policy, the loan policy comprising a set of rules;
b. at least one risk data system in communication with the loan policy system;
c. a risk system in communication with the loan policy system and the risk data system, the risk system adapted to process data from the loan policy system and the risk data system for the purpose of performing risk assessment; and
,d. a user interface in communication with the risk system for reporting the result of the risk assessment. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 26, 27, 28, 29, 30, 31, 32, 33, 34, 35, 36, 37, 38, 39, 40, 41, 42, 43, 44)
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9. The risk management system according to claim I, wherein the risk data system comprises a covenants system.
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45. A method for managing risk associated with the services provided by a financial institution, comprising:
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a. establishing a loan policy;
b. monitoring data in at least one risk data system;
c. comparing the data to the loan policy in order to determine if the data deviates from the loan policy;
d. recording a risk event when the data deviates from the loan policy;
e. performing risk assessment of the risk event; and
,f. enabling a user to access the results of the risk assessment. - View Dependent Claims (46, 47, 48, 49, 50)
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Specification