Patent ID: 8150765

Claim:
A method of evaluating a credit offering to a borrower, the method comprising: electronically displaying on an electronic computing device a plurality of qualitative questions regarding the borrower, wherein the plurality of qualitative questions are answered by one of the borrower and a representative of the borrower, wherein at least some of the plurality of qualitative questions are based on an entity type of the borrower, wherein each answer is assigned a score representative of a portion of the borrower's creditworthiness, and wherein the electronic computing device is in electronic communication with an electronic database via an electronic computer network; receiving financial information, non-financial information, and sector information regarding the borrower from the scores of the answers to the plurality of qualitative questions; calculating, by the electronic computing device, a first financial factor based on the financial information, a second non-financial factor based on the non-financial information, and a third sector factor based on the sector information, wherein at least a portion of the sector information is specific to the entity type of the borrower; calculating, by the electronic computing device, a preliminary probability of default rating of the borrower based on the first financial factor, the second non-financial factor, and the third sector factor, wherein the first financial factor is given a first weight, the second non-financial factor is given a second weight, and the third sector factor is given a third weight; generating, by the electronic computing device, at least one warning signal based on the answers to the plurality of qualitative questions and the entity type of the borrower; electronically displaying on the electronic computing device the at least one warning signal, wherein the at least one warning signal highlights a potential credit vulnerability of the borrower that is not present in the financial information, the non-financial information, and the sector information; calculating, by the electronic computing device, a probability of default rating of the borrower based on the preliminary probability of default and the at least one generated warning signal; calculating, by the electronic computing device, a loss given default rating for the borrower; integrating, by the electronic computing device, the probability of default rating and the loss given default rating with other information relating to the credit offering to produce a credit memorandum; and automatically outputting, by the electronic computing device, the credit memorandum, wherein the credit memorandum comprises a recommendation associated with the evaluation of the credit offering.