The list must tie out
Collections checks that the loan count and principal balance match the selected total to the cent. If the supporting detail does not match, the list stays unavailable with an explanation.
Reports for the people who know the book
The number. The loans behind it.
Start the meeting with the same facts. Underbot connects dealer performance, collections and recovery to the accounts that explain them.
Dealer Review, Collections and Recovery are in daily use at a multi-state auto lender.
01 · Dealer Review
Which dealers earn their volume?
A book-wide average can hide very different dealer results. Put the applications a dealer sends beside the loans you bought and the payments that followed.
Every dealer on one ledger
See balances, share of the book, delinquency, loss and recent funding together. Sort by any column to find the dealers behind the result you want to understand.
In the film, Crestline Auto Outlet's loss rate is 18.73%, beside a book rate of 6.14%. That comparison starts a question. The dealer's loans and history help answer it.
The next conversation: Look at outcomes alongside volume before discussing the next allocation of business.
Separate recent flow from lasting results
The delinquency view splits past-due balances into 30-59, 60-89 and 90-plus days. The 90-day application funnel shows what was submitted, approved and funded, with the look-to-book rate beside it.
You can see whether a dealer is sending more applications, getting more approvals or actually funding more business. Those are different conversations, and the report keeps them distinct.
The next conversation: Discuss the point where deals stop progressing, with the dealer's recent numbers in view.
Open the relationship, down to each loan
A dealer's lifetime scorecard brings production, portfolio health, credit quality and outcomes together, including charge-offs and repossessions. Open the booked loans to follow an account back to its original application.
Talking points draw from that scorecard. The downloadable workbook carries the numbers and definitions, so the team can check the math and take the same facts into the dealer call.
The next conversation: Agree which accounts need attention and which questions to put to the dealer. Your team makes the call.
02 · Collections
Which loans make up that number?
Give the collections meeting a common starting point: delinquency, aging and workout across the active servicing book. Then open the accounts that need a closer look.
Read the past-due ladder in context
Start with the past-due total, then the 30-plus, 60-plus and 90-plus groups. Rates are weighted by balance, with dollars and account counts alongside them.
The aging view separates balances from 1-15 days past due through more than 120 days. The definitions explain which days belong in each group, so the room is comparing the same thing.
The next conversation: Decide which stage needs attention, then open its loans instead of rebuilding a list in a separate spreadsheet.
Find where the pressure is concentrated
Split the book by segment, program or dealer. Flags show rates above the table's overall rate, with a second flag at one-and-a-half times that rate or higher.
Compare each group with its own table total. A small group with a high rate and a large group with many past-due dollars may need different responses.
The next conversation: Put the rate, dollars and accounts beside one another before deciding where to focus the team.
Follow a total to the accounts behind it
Open a headline figure to see the loans that make it up, with account, borrower, dealer, days past due and principal balance. Search for one account without losing the report's context.
In the film, 405 loans add up to $6,228,363.01, exactly matching the 30-plus total. Collections checks both the count and the cents before showing that list.
The next conversation: Review the accounts together, then let your collectors decide the appropriate next action.
Carry the same facts into month-end
The workout pipeline shows accounts out for repossession, on hand and redeemed, alongside the month's charge-offs and auction credit. Each label distinguishes current balances from dollars collected.
The month-end workbook uses the same calculations and definitions as the report. Share it with the people who need to work through the numbers outside the page.
The next conversation: Review where cases stand and what needs follow-up, with one set of numbers for collections and finance.
03 · Recovery
What actually came back?
Keep money received separate from work still in progress. See recovery receipts by source, trace them to accounts, and keep sight of where those accounts stand.
Follow the collected dollars
See net receipts for the selected period, split into garnishments, trustee payments, auction proceeds and direct payments. Open the accounts behind those dollars to understand what produced the result.
The recovery figure is money received in that period. It is not a forecast or the remaining balance on the accounts.
The next conversation: Bring finance and recovery to the same receipts before discussing the result.
Know where the remaining work stands
See accounts out for repossession, vehicles on hand and accounts in legal recovery. The status explains where the work stands; the receipts explain what has come back.
Read both alongside the original buying decision. Recovery adds the final part of the history your team should have in mind when the next deal arrives.
The next conversation: Review the accounts at each stage and agree what needs to move next.
Before you act on a number
The checks belong in the report.
A clear number needs a clear definition and a way to check it. Collections makes those checks part of the report itself.
The definition stays in view
Help on the page explains the measures. The workbook includes definitions too, so the people reading an export can see what was counted.
A review comes before a guess
If a loan type cannot be assigned to a known reporting group, Collections stops for a loan-type review instead of quietly putting it in the wrong group.
A late feed is called out
Collections warns when the servicing feed is behind and explains that delinquency, repossession and month-to-date figures reflect that cutoff.
The films, stills and examples drawn on this page use fictional lenders, people and figures. Background photography, narration voice and music are AI-generated. Pressing play loads YouTube.
The other half of the story
Bring the history back to the desk.
The reports show what happened to your loans. The Underwriting Engine applies your credit policy to the next deal, with the reasons in view and the final call in your team's hands. Your people bring the lessons from the book to that decision.
Explore the Underwriting Engine
Start with your own questions
Free 10-deal review
Ten deals re-scored on one standard, the math behind every score, a plain-English findings memo and a 30-minute walkthrough if you want one. One sheet, no names, back in three business days.
If we can't show you at least one thing about your own book you didn't already know, we'll tell you straight.
Free 10-deal review