Loan Analysis And Management System

• US 20140143126A1
• Filed: 07/25/2013
• Published: 05/22/2014
• Est. Priority Date: 11/21/2012
• Status: Abandoned Application

• Current Assignee: Shaheen Malik
• Original Assignee: Shaheen Malik
• Inventors: Malik, Shaheen
• Application Number:
  US13/950,309
• Publication Number:
  US 20140143126A1
• Time in Patent Office: Days
• US Class Current: 705/38
• CPC Class Codes: G06Q 40/03 Credit; Loans; Processing thereof

Abstract

A computer implemented method and a system for analyzing and managing multiple syndicated loan transaction elements, for example, legal loan transaction documents, bank books, compliance reports, etc., are provided. An information analysis platform (IAP) receives the syndicated loan transaction elements from multiple data sources. The IAP extracts data items from the syndicated loan transaction elements and converts the data items into multiple data fields for enhanced review, interpretation, comparison, and statistical analysis of the syndicated loan transaction elements. The IAP analyzes the syndicated loan transaction elements using the data fields via analytical tools and expert inputs received via a graphical user interface, and estimates one or more factors, for example, impact of structural elements on loss given default, probability of default and pricing, impact of each data field for short and long term changes in default and loss given default assumptions, etc., based on the analysis.

Claims

1. A computer implemented method for analyzing and managing a plurality of syndicated loan transaction elements, comprising:

providing an information analysis platform comprising at least one processor configured to analyze and manage said syndicated loan transaction elements;

receiving said syndicated loan transaction elements from a plurality of data sources by said information analysis platform;

extracting data items from said received syndicated loan transaction elements by said information analysis platform;

converting said extracted data items into a plurality of data fields by said information analysis platform, wherein said data fields are configured for enhanced review, interpretation, comparison, and statistical analysis of said received syndicated loan transaction elements;

analyzing said received syndicated loan transaction elements using said data fields by said information analysis platform via analytical tools and expert inputs received via a graphical user interface provided by said information analysis platform; and

estimating one or more of a plurality of factors associated with syndicated loans by said information analysis platform based on said analysis of said received syndicated loan transaction elements.

2. The computer implemented method of claim 1, wherein said syndicated loan transaction elements comprise syndicated loan transaction documents, loan information, legal loan transaction documents, one or more agreements associated with a loan deal, bank books, compliance reports, and any combination thereof.

3. The computer implemented method of claim 1, further comprising storing one or more of said data fields in predefined formats in a data management database by said information analysis platform for enhanced accessibility.

4. The computer implemented method of claim 1, wherein said information analysis platform is configured to convert said extracted data items into said data fields using expert inputs received via said graphical user interface.

5. The computer implemented method of claim 1, further comprising generating one or more reports by said information analysis platform based on said analysis of said received syndicated loan transaction elements.

6. The computer implemented method of claim 1, further comprising categorizing each of said extracted data items into one of said data fields in a data management database by said information analysis platform.

7. The computer implemented method of claim 1, further comprising configuring each of said received syndicated loan transaction elements as a template by said information analysis platform for said extraction of said data items.

8. The computer implemented method of claim 1, further comprising dynamically generating a data management database configured to store said received syndicated loan transaction elements, said extracted data items categorized into said data fields, and information associated with said syndicated loans.

9. The computer implemented method of claim 1, further comprising retrieving and displaying detailed information for each of said received syndicated loan transaction elements, said extracted data items, and said data fields on said graphical user interface by said information analysis platform, on receiving an input from a user device.

10. The computer implemented method of claim 1, further comprising enabling sharing of said estimated one or more of said factors associated with said syndicated loans and one or more reports generated based on said analysis of said received syndicated loan transaction elements between a plurality of user devices via a network by said information analysis platform based on predetermined sharing criteria.

11. The computer implemented method of claim 10, further comprising assigning a user identifier to each of said estimated one or more of said factors and each of said one or more reports generated based on said analysis of said received syndicated loan transaction elements, shared between said user devices by said information analysis platform, for identifying each of said user devices.

12. The computer implemented method of claim 1, further comprising comparing said data fields associated with financial instruments by said information analysis platform for valuing credit of each of said data fields in each of said financial instruments.

13. The computer implemented method of claim 1, wherein said factors associated with said syndicated loans comprise impact of structural elements on loss given default, probability of default and pricing, impact of each of said data fields for short term and long term changes in default and loss given default assumptions, credit impact on each of said extracted data items, impact on valuations of said syndicated loans, and statistical relationships between said data fields in said received syndicated loan transaction elements and metrics that measure overall credit.

14. The computer implemented method of claim 1, further comprising providing a search engine configured to facilitate scanning of said received syndicated loan transaction elements, said extracted data items, and said data fields associated with said syndicated loans.

15. The computer implemented method of claim 1, wherein said data sources comprise one or more business entities that provide one of private filings and public filings associated with a loan transaction, bank databases, public databases, virtual data rooms, and any combination thereof.

16. A computer implemented system for analyzing and managing a plurality of syndicated loan transaction elements, comprising:

an information analysis platform comprising;

at least one processor;

a non-transitory computer readable storage medium communicatively coupled to said at least one processor, said non-transitory computer readable storage medium configured to store modules of said information analysis platform, said at least one processor configured to execute said modules of said information analysis platform;

said modules of said information analysis platform comprising;

a graphical user interface configured to receive expert inputs for converting data items extracted from said syndicated loan transaction elements into data fields and for analyzing said syndicated loan transaction elements using said data fields;

a data reception module configured to receive said syndicated loan transaction elements from a plurality of data sources;

a data extraction module configured to extract said data items from said received syndicated loan transaction elements;

a data conversion module configured to convert said extracted data items into a plurality of said data fields, wherein said data fields are configured for enhanced review, interpretation, comparison, and statistical analysis of said received syndicated loan transaction elements;

an analytics engine configured to analyze said received syndicated loan transaction elements using said data fields via analytical tools and said expert inputs received via said graphical user interface; and

a factor estimation module configured to estimate one or more of a plurality of factors associated with syndicated loans based on said analysis of said received syndicated loan transaction elements.

17. The computer implemented system of claim 16, wherein said syndicated loan transaction elements comprise syndicated loan transaction documents, loan information, legal loan transaction documents, one or more agreements associated with a loan deal, bank books, compliance reports, and any combination thereof.

18. The computer implemented system of claim 16, wherein said modules of said information analysis platform further comprise a data management database configured to store one or more of said data fields in predefined formats for enhanced accessibility, said received syndicated loan transaction elements, said extracted data items categorized into said data fields, and information associated with said syndicated loans.

19. The computer implemented system of claim 16, wherein said data conversion module is further configured to convert said extracted data items into said data fields using said expert inputs received via said graphical user interface.

20. The computer implemented system of claim 16, wherein said modules of said information analysis platform further comprise a reporting engine configured to generate one or more reports based on said analysis of said received syndicated loan transaction elements.

21. The computer implemented system of claim 16, wherein said data conversion module is further configured to categorize each of said extracted data items into one of said data fields in a data management database.

22. The computer implemented system of claim 16, wherein said data extraction module is configured to configure each of said received syndicated loan transaction elements as a template for said extraction of said data items.

23. The computer implemented system of claim 16, wherein said modules of said information analysis platform further comprise a data display module configured to retrieve and display detailed information for each of said received syndicated loan transaction elements, said extracted data items, and said data fields on said graphical user interface, on receiving an input from a user device.

24. The computer implemented system of claim 16, wherein said modules of said information analysis platform further comprise a data management module configured to share said estimated one or more of said factors associated with said syndicated loans and one or more reports generated based on said analysis of said received syndicated loan transaction elements between a plurality of user devices via a network based on predetermined sharing criteria.

25. The computer implemented system of claim 24, wherein said data management module is further configured to assign a user identifier to each of said estimated one or more of said factors and each of said one or more reports generated based on said analysis of said received syndicated loan transaction elements, shared between said user devices, for identifying each of said user devices.

26. The computer implemented system of claim 16, wherein said analytics engine is further configured to compare said data fields associated with financial instruments for valuing credit of each of said data fields in each of said financial instruments.

27. The computer implemented system of claim 16, wherein said factors associated with said syndicated loans comprise impact of structural elements on loss given default, probability of default and pricing, impact of each of said data fields for short term and long term changes in default and loss given default assumptions, credit impact on each of said extracted data items, impact on valuations of said syndicated loans, and statistical relationships between said data fields in said received syndicated loan transaction elements and metrics that measure overall credit.

28. The computer implemented system of claim 16, wherein said modules of said information analysis platform further comprise a search engine configured to facilitate scanning of said received syndicated loan transaction elements, said extracted data items, and said data fields associated with said syndicated loans.

29. The computer implemented system of claim 16, wherein said data sources comprise one or more business entities that provide one of private filings and public filings associated with a loan transaction, bank databases, public databases, virtual data rooms, and any combination thereof.

30. A computer program product comprising a non-transitory computer readable storage medium, said non-transitory computer readable storage medium storing computer program codes that comprise instructions executable by at least one processor, said computer program codes comprising:

a first computer program code for receiving syndicated loan transaction elements from a plurality of data sources;

a second computer program code for extracting data items from said received syndicated loan transaction elements;

a third computer program code for converting said extracted data items into a plurality of data fields, wherein said data fields are configured for enhanced review, interpretation, comparison, and statistical analysis of said received syndicated loan transaction elements;

a fourth computer program code for analyzing said received syndicated loan transaction elements using said data fields and expert inputs received via a graphical user interface; and

a fifth computer program code for estimating one or more of a plurality of factors associated with syndicated loans based on said analysis of said received syndicated loan transaction elements, wherein said factors associated with said syndicated loans comprise impact of structural elements on loss given default, probability of default and pricing, impact of each of said data fields for short term and long term changes in default and loss given default assumptions, credit impact on each of said extracted data items, impact on valuations of said syndicated loans, and statistical relationships between said data fields in said received syndicated loan transaction elements and metrics that measure overall credit.