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System and method to performing on-line credit reviews and approvals
| Details |
Inventors: Walker, Darcy; Sussman, Lawrence J.; Mayr, Mona; Dean, Jr., Charles G.; Seib, Dennis; Musci, Richard; Marino, Glenn;
Assignee: Citibank, N.A. (New York, NY)
Primary Examiner: Peeso; Thomas R.
Assistant Examiner:
Attorney, Agent or Firm: Kilpatrick Stockton LLP, Marcou; George T.
A user-friendly on-line computerized system operates in real-time thus streamlining the processing of applications for products and services offered by a financial institution. The system automates many steps in the credit and liability review and approval process, performs background credit worthiness evaluations based upon a applicant's credit score, financial information and new or existing relationship with the financial institution, recommends to those applicants who exceed the initial criteria for credit consideration specific credit products with predetermined credit qualified offer amounts, and ensures the required operating (credit/liability) policies are appropriately completed. The system immediately analyzes an applicant's credit bureau history and automated credit scoring, and provides these results to the LBR. The system also takes into account information relating to the applicant's new or existing relationship with the financial institution, if any, into the credit decision request. This enables the system to provide applicants with an up-front conditional approval (based on systematic evaluation of credit bureau history, credit score, debt burden, and applicant's new or existing relationship deposits), subject to required verifications. |
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DETAILED DESCRIPTION The present invention solves this problem by providing a user-friendly on-line computerized system that streamlines the processing of applications for products and services offered by a financial institution, that automates many steps in the review and approval process, that performs background credit worthiness comparisons based upon an applicant's credit score, financial information and new or existing relationship with the financial institution, if any, that recommends to those applicants who exceed the initial criteria for credit consideration specific credit products with predetermined credit qualified offer amounts, and that ensures the required operating (credit/liability) policies are appropriately completed.
According to the present invention, specifically for credit requests, the system immediately analyzes an applicant's credit bureau history, automated credit scoring, credit policies and the applicant's new or existing relationship with the financial institution, if any, and provides these results to the LBR in a summarized format.
This feature enables the LBR the ability to provide applicants with an up-front automated conditional approval, subject to required verifications.
The system and method of the present invention alleviate the loss of time problem for the lender by offering a capability of identifying applicants to whom the financial institution would like to extend credit and/or liability products, based on those requested, or to offer additional services or other credit and/or liability products.
For example, by identifying an applicant as potentially credit worthy for a variety of other products that the applicant has not requested, the LBR can offer a more attractive package of products to the applicant that will enhance the service and potentially the pricing being provided.
This feature enables the LBR to target his or her efforts to those applicants to which the financial institution can offer a full range of services and benefits, above and beyond those requested by the applicant
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Finance 
