Alan L Mccrum

US Patent:

8150765, Apr 3, 2012

Filed:

Aug 23, 2010

Appl. No.:

12/861523

Inventors:

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

Assignee:

The PNC Financial Services Group, Inc. - Pittsburgh PA

International Classification:

G06Q 40/00

US Classification:

705 38, 705 11, 705 35

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.

US Patent:

8290857, Oct 16, 2012

Filed:

Apr 2, 2012

Appl. No.:

13/437723

Inventors:

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

Assignee:

The PNC Financial Services Group, Inc. - Pittsburgh PA

International Classification:

G06Q 40/00

US Classification:

705 38, 705 11, 705 35

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.

US Patent:

7797230, Sep 14, 2010

Filed:

Jun 2, 2005

Appl. No.:

11/143701

Inventors:

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

Assignee:

The PNC Financial Services Group, Inc. - Pittsburgh PA

International Classification:

G06Q 40/00

US Classification:

705 38, 705 11, 705 35

Abstract:

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.