computerized systems and methods for initiating , creating , managing , and securitizing loans and other credit programs electronically are disclosed . loan securitization pools that can be subscribed to by a plurality of lenders are electronically defined and established . lenders may subscribe to the loan securitization pools for the purpose of converting their loans to cash . the loan securitization pools comprise loans from a plurality of lenders , and are created according to optimizing a plurality of loan features , thereby maximizing the potential conversion value of the loans therein . optimization techniques are disclosed for establishing the loan securitization pools with pre - defined sets of loan characteristics , such that the loan securitization pools have an easily analyzed worth and will not be discounted when converted to cash .