Abstract: A system for credit request processing comprises an automated decision tool that is configured as a single point of entry for all credit requests for a lending entity. The automated decision tool is configured to receive client information data and data from a plurality of databases. The automated decision tool is configured to generate a scoring and a pricing output based on the credit request. Based on the scoring output, the credit request can further be classified as a “white” case that can be processed by a client advisor associated with the client, or as a “grey” case that is typically processed by a credit officer or similar entity within the lending entity. The system is further configured to produce the correct credit documents according to the decision logic and answers to the scoring questions based on the personal data for the specific client.

Abstract: A method for credit risk evaluation includes receiving a set of credit related data associated with a client. Risk events are detected from this set of credit related data according to preset rules, and a set of thresholds and filters is applied to determine whether each detected risk event is to be alerted or not. A risk event qualifying for being alerted can be directly alerted to a client advisor associated with the client. A first answer from the client advisor is received concerning the reported risk event. A response date is set for the alerted risk event. If the risk event persists at the response date, the client advisor is re-alerted as to the risk event according to the set rules.