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

Claim 12:
13. A non-transitory computer readable medium having instructions thereon for execution by a computer wherein when the instructions are executed they cause the computer to:
generate a dashboard for a loan request submitted by a loan applicant, wherein input is accepted from a computer input device, the dashboard including:
a tile display area displaying a selectable set of tiles;
a credit tile displaying more than one credit score 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 in a graph or chart format;
an offer tile displaying an automatically calculated loan offer for the loan request; and
a risk adjustment portion wherein an entry by an underwriter using the computer input device while viewing the dashboard changes a risk modifier for the loan request in real time, and wherein the risk modifier is changed without changing other parameters;

determine the risk modifier for the loan request;
score the loan request wherein the loan request is scored using the risk modifier and wherein an adjustment to the risk modifier causes the loan request to be rescored in real time; and
produce loan offers through an optimization process wherein loan amounts, rates, and duration are determined, and wherein the produced loan offers are displayed on the loan offer tile in real time based upon the rescored loan request and the optimization process.