Patent ID: 7974918

Claim:
A computer implemented system for creating a credit risk framework, comprising: a plurality of central processing units (CPUs); and, a storage device having instructions stored therein that when executed direct the one or more of the plurality of CPUs configured to: categorize loans into a group of ineligible loans and a group of potentially eligible loans in regard to purchase by a purchaser; for a default eligibility segment for which no additional authorization is necessary to approve loans grouped therein and at least one delegated authority segment for which additional approval is necessary for loans grouped therein, group the potentially eligible loans based upon at least two data elements selected from the group consisting of CLTV, LTV, and credit score into a plurality of groups, wherein each group comprises potentially eligible loans corresponding to the same range for each of the at least two data elements for the respective default eligibility segment or at least one delegated authority segment, indicate groups having similar risk such that potentially eligible loans from different groups exhibiting like risk are indicated; for the default eligibility segment and each of the at least one delegated authority segment, provide a visual representation of the grouping of potentially eligible loans and the indication of groups having similar risk as at least one eligibility grid for each of the at least one level of delegated authority; associate with one or more of the group of loans, properties of additional data elements reflective of attributes of loans which exclude from eligibility those loans having those data element properties; and, for each group of loans provide a visual representation of the additional data element properties as a sheet associated with each of the plurality of groups containing information regarding eligibility.