Abstract: Aspects of this disclosure relate to a computer assisted method for managing credit risk which includes electronically receiving data regarding one or more credit quality standards, electronically receiving data regarding one or more policy limits or exception rate limits and electronically receiving data regarding one or more concentration limits. The method may further include using a computer to establish one or more predetermined delinquency guardrails which relate to a maximum desired potential Net Credit Losses (NCL) or a minimum desired potential return (e.g., Risk Adjusted Margin (RAM)) for particular aspects of an organization.