The Pnc Financial Services Group, Inc.

Cynthia Barie

Michael Hugh Harrington

Douglas Wicker

Holly Kuhs

Bobbie Zielonka

Alan McCrum

Berenice Huffner

A method for one of approving and denying a credit offering to a borrower is disclosed. The method includes calculating a probability of default rating of the borrower and calculating a loss given default rating for the borrower. The method also includes integrating the probability of default rating and the loss given default rating with other information relating to the credit offering to produce a credit memorandum and automatically outputting the credit memorandum to a user so that the user can recommend one of approval and denial of the credit offering.

Systems and methods for credit management risk rating and approval

A method for one of approving and denying a credit offering to a borrower. The method includes calculating a probability of default rating of the borrower and calculating a loss given default rating for the borrower. The method also includes integrating the probability of default rating and the loss given default rating with other information relating to the credit offering to produce a credit memorandum and automatically outputting the credit memorandum to a user so that the user can recommend one of approval and denial of the credit offering.

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Coraopolis, PA, United States of America

Cynthia Barie