SYSTEM AND METHOD FOR DYNAMIC CUSTOMER ACQUISITION PROBABILITY AND RISK-ADJUSTED RETURN-ON-EQUITY ANALYSIS

摘要

Disclosed is a method of processing a user's loan request to a bank and making recommendations to the user and the bank. The invention includes using a computer code that evaluates user submitted loan data, public bank data, and private bank data to calculate a bank's risk-adjusted return-on-equity and customer acquisition probability on a given loan. The bank's private data may include bank profile settings and bank historical data. The bank's public data may include UBPR and bank call reports. Also, the method may be utilized to analyze the bank's performance over time.

主权项

1. A computer implemented method of processing a loan request comprising the steps of:
a. providing computing device associated with a bank; b. loading the bank computing device with a loan evaluation computer code, the loan evaluation computer code comprising:
i. an interface for accepting a loan request containing loan data,ii. a loan evaluation model, andiii. a recommendation engine; c. receiving by the bank computing device, a loan request containing loan data; d. receiving by the bank computing device, public bank data and private bank data; e. evaluating by the bank computing device, the loan request; f. displaying by the bank computing device, an output representing profitability of the loan request; and g. generating by the bank computing device, user recommendations.