A computer system for evaluating multiple loan workout options. Each loan workout option includes at least one scenario. The computer system includes a collection component and a processing component. The collection component collects information relating to a loan from a plurality of internal and external sources. The processing component evaluates the workout options based on the information relating to the loan. The processing component also uses predetermined values obtained from evaluations of empirical data and predefined rules associated the scenario to access risks associated with each of the workout options and to provide at least one recommendation for each workout option to a user.