The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.
The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.
Patent No.:
Date of Patent:
Apr. 03, 2012
Filed:
Aug. 23, 2010
Cynthia Barie, Coraopolis, PA (US);
Douglas Wicker, Sewickley, PA (US);
Michael Harrington, Wexford, PA (US);
Alan Mccrum, Bethel Park, PA (US);
Holly Kuhs, Dravosburg, PA (US);
Bobbie Zielonka, Pittsburgh, PA (US);
Berenice Huffner, Morganville, NJ (US);
Cynthia Barie, Coraopolis, PA (US);
Douglas Wicker, Sewickley, PA (US);
Michael Harrington, Wexford, PA (US);
Alan McCrum, Bethel Park, PA (US);
Holly Kuhs, Dravosburg, PA (US);
Bobbie Zielonka, Pittsburgh, PA (US);
Berenice Huffner, Morganville, NJ (US);
The PNC Financial Services Group, Inc., Pittsburgh, PA (US);
Abstract
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.