Computer software platforms for collateral management in bank lending, computer software for organizing and consolidating financial information to calculate, monitor and report loan-to-value analytics, collateral metrics and credit risk metrics for use in financial analysis, credit-risk assessment and regulatory reporting for commercial and retail lending; computer software for data warehousing, namely, software for organizing and operating a system for storing, retrieving and managing large amounts of any type of data in the financial field; downloadable software and cloud-based software for use in banking collateral management and securities-based lending; Computer software for collateral management in bank lending, computer software for organizing and consolidating financial information to calculate, monitor and report loan-to-value analytics, collateral metrics and credit risk metrics for use in financial analysis, credit-risk assessment and regulatory reporting for commercial and retail lending; computer software for data warehousing, namely, software for organizing and operating a system for storing, retrieving and managing large amounts of any type of data in the financial field; downloadable software and cloud-based software for use in banking collateral management and securities-based lending. and instructional user guides sold as a unit; Computer software that provides real-time, integrated business management intelligence by combining information from various databases and presenting it in an easy-to-understand user interface; Computer software, namely, electronic financial platform that accommodates multiple types of payment and debt transactions in an integrated mobile phone, PDA, and web based environment; Downloadable cloud-computing software for financial credit risk management and the monitoring of securities data to enable calculation, qualification, release, reporting and other processes associated with securities in the course of securities-based lending; downloadable cloud-computing software to integrate with banking systems and pricing services to enable qualification, release and other processes associated with securities in the course of securities-based lending