Abstract: A simulator and corresponding method suitable for training and educating is provided. Specifically, the present invention relates to simulating performance of a portfolio in a manner that improves training and educational advancement of a user operating the simulator relative to other traditional training and educational tools. In particular, the present invention provides a new and different process that substantially reduces the amount of time required for a user to become educated and trained in an experiential manner as to how their choices will affect outcomes that traditionally require years to unfold.

Abstract: A calculation engine of an apparatus in an example is employable for interactive simulation gaming to create an active learning environment on credit risk management for a learner. The calculation engine simulates one or more retail lending portfolios in a retail bank over a selectable period of time in the active learning environment for the learner. The calculation engine allows and/or requests the learner to decide, select, and/or choose one or more parameters for a strategy for credit policy and/or loan approval. The calculation engine employs the one or more parameters from the learner to calculate a financial outcome of the one or more retail lending portfolios in the retail bank over the selectable period of time that reflects the strategy for credit policy and/or loan approval by the learner in a corresponding run of the active learning environment on credit risk management for the learner.

Abstract: A calculation engine of an apparatus in an example is employable for interactive simulation gaming.