17. The system of claim 14 , wherein the module for generating the script comprises a scripting engine.
14. A system for optimizing a collections loan cycle between a lender and a borrower, the lender having a collections officer, the system comprising: at least one processor; a first module operatively coupled to the at least one processor, the first module for optimizing an effectiveness of the collections officer by measuring personality traits of the collections officer; a second module operatively coupled to the at least one processor, the second module for optimizing communications between the lender and the borrower and comprising a module for generating a script based on borrower behavioral information for use by the collections officer in communicating with the borrower; and a third module operatively coupled to the at least one processor, the third module for determining an optimal resolution of the collections loan cycle and comprising a module for determining the effectiveness of the generated script and the effectiveness of the collections officer based on statistical analysis.