1. A method for optimizing a collections loan cycle between a lender and a borrower using at least one processor and memory coupled to the processor, the lender having a collections officer, the method comprising: Measuring, via the at least one processor, personality traits of the collections officers; categorizing, via the at least one processor, the personality traits into two or more categories; optimizing, via the at least one processor, a persuasiveness of communications between the lender and the borrower by choosing the collections officer based on the two or more categories of personality traits of the collections officer; and determining, via the at least one processor, an optimal resolution of the collections loan cycle to be communicated by the collections officer to the borrower, the optimal resolution being identified via a cash flow model.
1. A method for optimizing a collections loan cycle between a lender and a borrower using at least one processor and memory coupled to the processor, the lender having a collections officer, the method comprising: Measuring, via the at least one processor, personality traits of the collections officers; categorizing, via the at least one processor, the personality traits into two or more categories; optimizing, via the at least one processor, a persuasiveness of communications between the lender and the borrower by choosing the collections officer based on the two or more categories of personality traits of the collections officer; and determining, via the at least one processor, an optimal resolution of the collections loan cycle to be communicated by the collections officer to the borrower, the optimal resolution being identified via a cash flow model. 2. The method of claim 1 , further comprising: generating an estimate of the effectiveness of the collections officer based on the categorized personality traits.