Abstract: A user interface for evaluating an underwriting decision is described. The user interface includes in some aspects a first area for presenting a financial exposure associated with an entity, the financial exposure including at least an indication of an outstanding loan balance of the entity, a second area for presenting a repayment rating associated with the entity, and a third area for presenting a credit score associated with the entity, the credit score based at least on demographic information associated with the entity, wherein the repayment rating is presented in the second area if an appropriate repayment history associated with the entity is available, and wherein the credit score is presented in the third area if the appropriate repayment history is not available.