Patent ID: 11922510
Assignee: MERIDIANLINK, INC.
Field: Computer technology (Electrical engineering)
Classification: CPC G | IPC G

Claim 0:
1. A computer system for generating a dashboard of information and for viewing and interfacing with the dashboard, comprising:
a memory;
a display device;
a computer input tool;
a processor, communicatively coupled to the memory, the display device, and the computer input tool, wherein the processor is programmed to execute instructions to generate a dashboard of loan application information for a loan request submitted by a loan applicant, the dashboard being displayed on the display device and including:
a tile display area displaying a selectable set of tiles;
a credit tile displaying one or more credit scores of the loan applicant;
a business tile wherein information about a business including an age of the business and a number of employees is displayed;
a cashflow tile wherein cashflow information is displayed;
an offer tile displaying an automatically calculated loan offer for the loan request; and
a risk adjustment portion wherein a risk modifier for the loan request is displayed and an entry by an underwriter using the computer input tool while viewing the dashboard changes the risk modifier for the loan request in real time, and wherein the risk modifier is changed without changing other parameters;

wherein the processor is further configured to:
determine the risk modifier for the loan request;
score the loan request using the risk modifier and wherein an adjustment to the risk modifier causes the loan request to be rescored in real time; and
automatically optimize the loan offer, wherein loan amounts, rates, and duration are determined, and wherein loan offers are generated and displayed on the loan offer tile in real time based upon the rescored loan request and the optimized loan offer.