Systems and methods for pre-approving and pre-underwriting customers for financial products

A system for presenting pre-approved and pre-underwritten offers to a customer, comprising:

• a marketing campaign management service;
• an offer eligibility service;
• a credit decisioning service;
• a content presentation engine;
• a plurality of systems of record;
• an offer acceptance engine;
• a fulfilment engine;
• and
• a database comprising a customer profiles for a population of customers;
• wherein:
• the marketing campaign management service provides targeting criteria for an offer for a financial product, wherein the targeting criteria is based on at least one of current accounts with the financial institution, assets, creditworthiness, and credit risk;
• the offer eligibility service identifies a target population of customers for the offer by applying the targeting criteria to the population of customers in the database, wherein the target population is a subset of the population of customers;
• the credit decisioning service reviews each customer in the target population for underwriting for the financial product based on inferred income for each customer and accounts that each customer has with the financial institution from the systems of record, wherein the underwriting is performed before the financial product is offered;
• the offer eligibility service determines a channel to present the offer to one of the customers that passed underwriting;
• the content presentation engine communicates the offer to the customer over the selected channel;
• and
• the offer acceptance engine provides an accepted offer to a fulfilment engine, wherein the fulfilment engine initiates an account opening for the financial product.