Patent ID: 8271367

Claim:
A computerized method for borrower stress testing, comprising: receiving by one or more processors a selection of an account type so as to establish a selected account type; receiving by one or more processors a stress amount for applying to the selected account type; receiving by one or more processors an input regarding financial information of a borrower from a database in a computer-readable memory device, the database comprising information related to a plurality of account types of the borrower; and generating by one or more processors a stressed financial ratio for the borrower as a function of an unstressed financial ratio for the borrower, the stress amount, a numerator factor corresponding to the selected account type, and a denominator factor corresponding to the selected account type, wherein the unstressed financial ratio is a function of a financial ratio numerator and a financial ratio denominator, the numerator factor is a function of the financial ratio numerator and a numerator account value for the selected account type, and the denominator factor is a function of the financial ratio denominator and a denominator account value for the selected account type.