Patent ID: 8452698

Claim:
A system for enabling a credit analyst to evaluate credit risk associated with an issuer of securities based on subjective research, comprising: a) a server; b) a database connected to the server, the database containing credit-worthiness data including subjective credit research notes relating to a plurality of issuers of securities; c) a processor disposed in communication with memory having plurality of instructions, the processor configured to execute the plurality of instructions to perform the following steps: load credit-worthiness data relating to a selected issuer of securities, including the subjective credit research notes, from the database onto the server and into a graphical user interface displayed in a data terminal, wherein the credit-worthiness data relating to the selected issuer of securities is presented to a credit analyst within the graphical user interface in a format based on a corporate family tree relationship of the selected issuer of securities; retrieve a portion of the subjective credit research notes stored in the database based on user specified search criteria; and display on a display device the retrieved portion of the subjective credit research notes for a selected issuer of securities together with the credit-worthiness data for the selected issuer of securities in the corporate family tree format that includes at least a subject associated with each of the subjective research notes.