System for processing non-prime credit applications

摘要

A system for processing credit applications. An adaptive decision engine produces a score determined by the risk associated with a credit application. The credit application is automatically approved or rejected if the score is above or below certain thresholds, and is otherwise referred for manual processing. The system may include a rules system that automatically approves applications if all conditions are met, and generates exceptions if all conditions are not met and refers the application to the adaptive decision engine for further processing. A decision to approve or reject an application may be based on a combination of the risk score and number of exceptions.