Loan audit system and method with chained confidence scoring

摘要

The invention relates to a computer-implemented system and method for grading of a loan using chained confidence scoring. The method may comprise the steps of: scanning documents within a credit file for the loan, extracting attributes from the scanned documents and from electronic documents in the credit file, calculating a plurality of calculated attributes based on the extracted attributes, calculating a loan risk rating based on the calculated attributes and the extracted attributes, calculating an aggregated confidence value associated with the calculated loan risk rating, and enabling a user to modify the loan risk rating, the aggregated confidence value, and a number of chained confidence values. The confidence values input by the user are used as training data to train a chained confidence model and the chained confidence model is used to calculate the aggregated confidence value in connection with the automated grading of a loan.