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Computer-Implemented Systems And Methods For Loan Evaluation Using A Credit Assessment Framework

  • US 20090299911A1
  • Filed: 05/29/2009
  • Published: 12/03/2009
  • Est. Priority Date: 05/29/2008
  • Status: Active Grant
First Claim
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1. A processor-implemented system for evaluating loan applications, comprising:

  • a loan evaluation system for operating on a processor-based system and for evaluating loan applications;

    a credit assessment framework for operating on the processor-based system and having a data connection to the loan evaluation system;

    said credit assessment framework using business context and a plurality of factors in order to generate a categorization of credit risk for each of the loan applications to be evaluated;

    wherein the generated categorization is stored in a computer-readable storage medium and is relative to a plurality of primary underwriting factors via a transaction contour identifier;

    wherein the transaction contour identifier provides a single number for rating strengths and weaknesses relative to the primary underwriting factors;

    said credit assessment framework further including a computer system for incorporating judgmental components when generating the categorization of credit risk.

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