Abstract: Some implementations can include a computerized method, system or computer readable media for generating a manufacturing defect risk assessment model. The method can include obtaining training data for a plurality of loans, the training data can include loan information and a forensic audit finding and deficiency code associated with each loan. The method can also include cleaning the training data to obtain data associated with a time of origination for each loan, and enriching the training data for each loan by adding additional data. The method can further include grouping deficiency codes into one or more classes of defects, in which each class includes one or more related defect codes. The method can also include selecting one or more variables for the manufacturing risk assessment model and assigning a coefficient to each selected variable.

Abstract: Some implementations can include a computerized method, system or computer readable media for multi-dimensional risk assessment. The method can include obtaining loan application data and preprocessing the loan application data including limit checking values and augmenting the loan application data with information from external sources. The method can further include selecting scoring values corresponding to key scoring variables and scoring the application by processing the scoring values in a multi-dimensional risk assessment system including an operational risk model.