Risk profiles in networked loan market and lending management system

Abstract

Systems, methods, and apparatus for receiving, from a lender, a lending order that specifies a desired risk profile, end term, and interest rate for a loan, the risk profile specifying a plurality of parameters used to determine a risk of a loan; and generating a portfolio loan that includes a plurality of atomic loans with a plurality of different borrowers or borrower requests that, in combination, satisfy the desired risk profile, term, and rate specified in the lending order, wherein the atomic loans each comprise a direct contractual agreement between the lender and a borrower.

1 . A computer-implemented method, comprising:
 receiving, from a lender, a lending order that specifies a desired risk profile, end term, and interest rate for a loan, the risk profile specifying a plurality of parameters used to determine a risk of a loan; and   generating a portfolio loan that includes a plurality of atomic loans with a plurality of different borrowers or borrower requests that, in combination, satisfy the desired risk profile, term, and rate specified in the lending order, wherein the atomic loans each comprise a direct contractual agreement between the lender and a borrower.   
     
     
         2 . The computer-implemented method of  claim 1 , further comprising:
 calculating the risk of the loan using an algorithm that receives as inputs one or more of the plurality of parameters used to determine the risk of the loan.   
     
     
         3 . The computer-implemented method of  claim 1 , further comprising calculating the risk profile of the portfolio loan based on risk ratings of each of the requested loans. 
     
     
         4 . The computer-implemented method of  claim 3 , wherein calculating the risk profile of the portfolio loan further comprises calculating the risk profile of the portfolio loan based on correlations among the borrowers. 
     
     
         5 . The computer-implemented method of  claim 4 , wherein the correlation between the borrowers comprises a quantification of a qualitative relationship between the borrowers. 
     
     
         6 . The computer-implemented method of  claim 5 , wherein the qualitative relationship is based on at least one of a family relationship, an employer, geography, industry, and collateral. 
     
     
         7 . The computer-implemented method of  claim 1 , wherein at least some of the atomic loans in the portfolio loan have different risk ratings and different interest rates. 
     
     
         8 . The computer-implemented method of  claim 1 , wherein a particular interest rate for a particular borrower is based on a risk profile. 
     
     
         9 . The computer-implemented method of  claim 1 , further comprising receiving, from the lender, a set of conditions included in the lending order, the conditions being selected from the group consisting of a time period, a maximum number of loans in the portfolio loan, states of the borrowers, regions of the borrowers, insurance requirements, prepayment options, penalties, and credit rating of the borrower. 
     
     
         10 . The computer-implemented method of  claim 1 , further comprising:
 receiving a change in user data from a borrower;   updating a risk profile based on the change in the user data for the borrower; and   automatically generating an event based on the updated risk profile.   
     
     
         11 . The computer-implemented method of  claim 10 , wherein the change in user data comprises one of the introduction of new collateral, change in collateral, and a change of address. 
     
     
         12 . The computer-implemented method of  claim 1 , wherein generating a portfolio loan comprises selecting the atomic loans included in the portfolio loan to diversify an overall risk of the portfolio loan. 
     
     
         13 . The computer-implemented method of  claim 1 , further comprising managing collateral associated with one or more of the atomic loans included in the portfolio loan. 
     
     
         14 . The computer-implemented method of  claim 1 , further comprising receiving information related to available collateral from a user. 
     
     
         15 . The computer-implemented method of  claim 14 , wherein generating the portfolio loan comprises selecting one or more of the atomic loans based in part on the information related to the available collateral. 
     
     
         16 . An apparatus comprising:
 a lending order receiver configured to:   receive, from a lender, a lending order that specifies a desired risk profile, term, and interest rate for a loan, the risk profile specifying a plurality of parameters used to determine a risk of a loan; and   generate a portfolio loan that includes a plurality of atomic loans with a plurality of different borrowers or borrower requests that, in combination, satisfy the desired risk profile, term, and rate specified in the lending order, wherein the atomic loans each comprise a direct contractual agreement between the lender and a borrower.   
     
     
         17 . The apparatus of  claim 16 , wherein the lending order receiver is further configured to receive, from the lender, a set of conditions included in the lending order, the conditions being selected from the group consisting of a time period, a maximum number of loans in the portfolio loan, states of the borrowers, regions of the borrowers, insurance requirements, prepayment options, penalties, and credit rating of the borrower. 
     
     
         18 . The apparatus of  claim 16 , wherein the lending order receiver is further configured to:
 receive a change in user data from a borrower;   update a risk profile based on the change in the user data for the borrower; and   automatically generate an event based on the updated risk profile.   
     
     
         19 . The apparatus of  claim 16 , wherein at least some of the atomic loans in the portfolio loan have different risk ratings and different interest rates. 
     
     
         20 . The apparatus of  claim 16 , wherein a particular interest rate for a particular borrower is based on a risk profile.