Dealer-Focused Underwriting Dashboard for Smarter Risk Analysis

Transforming Credit Decisions with Intelligent Data Visualization

In today’s fast-paced automotive and equipment financing landscape, lenders and OEMs need more than just raw data—they need actionable insights delivered in real-time. At pOrbis, we’ve revolutionized dealer credit underwriting with our Dealer-Focused Underwriting Dashboard, a comprehensive solution that transforms complex financial data into clear, decision-ready intelligence.

The Challenge of Modern Dealer Underwriting

Traditional underwriting processes suffer from three critical flaws:

1. Data Silos – Critical information trapped in disconnected systems

2. Analysis Paralysis – Too much data, too little insight

3. Reactive Decision-Making – Identifying risks only after they materialize

Our dashboard solution addresses these challenges head-on by providing:

✅ Unified data visualization across all underwriting metrics
✅ AI-driven risk scoring that highlights what matters most
✅ Proactive alerting for emerging portfolio risks

Inside pOrbis’ Dealer Underwriting Dashboard

1. Interactive Financial Health Monitoring

Our dynamic interface gives underwriters an at-a-glance view of each dealer’s financial position with:

• Real-time financial ratios (current ratio, D/E, EBITDA coverage)

• Trend analysis across multiple periods

• Peer benchmarking against similar dealers

• Traffic light indicators for immediate risk assessment

Example: A dealer’s dashboard might show improving profitability but flag a deteriorating quick ratio, prompting early intervention.

2. Intelligent Risk Scoring (eRating)

Moving beyond static credit scores, our system provides:

• Dynamic risk ratings that update with new data

• Portfolio heat maps showing geographic risk concentrations

• Early warning signals for dealers approaching risk thresholds

• Scenario modeling to test credit line impacts

3. Workflow Automation (eWorkflow)

Streamline operations with:

• Automated approval routing based on risk scores

• Task management with deadline tracking

• Audit trails for complete decision transparency

• Mobile approvals for underwriters on-the-go

Key Features That Set Our Solution Apart

1. Real-Time Data Integration

• Direct connections to dealer management systems

• Automated financial statement processing

• Continuous data validation ensuring accuracy

2. Advanced Document Management (eDocument)

• Centralized repository for all credit documents

• Optical character recognition for data extraction

• Version control with change tracking

• Secure sharing with role-based permissions

3. Custom Reporting & Analytics

• Drag-and-drop report builder

• Scheduled report distribution

• Ad-hoc query tool (4D extraction)

• Export to multiple formats

Tangible Benefits for Lenders & OEMs

For Underwriting Teams:

• 70% faster credit decisions

• 40% reduction in manual processes

• Improved consistency in risk assessments

For Portfolio Managers:

• Early identification of at-risk dealers

• Better capital allocation decisions

• Enhanced compliance monitoring

For Dealer Relationships:

• Transparent communication of credit decisions

• Faster funding availability

• Reduced documentation requests

Implementation Spotlight: Regional Equipment Lender

Challenge:
A mid-sized equipment finance company struggled with:

• 5-day average approval times

• Inconsistent risk assessments across branches

• Difficulty monitoring portfolio health

Solution:
pOrbis implemented:

1. Integrated dashboard across all underwriting teams

2. Automated financial data collection

3. Custom risk scoring model

Results in 6 Months:
⏱ Approval times reduced to 8 hours
📉 30% decrease in high-risk approvals
📊 Single source of truth for all credit decisions

Why pOrbis Leads in Dealer Underwriting Technology

1. Dealer-Centric Design – Built specifically for equipment/auto financing

2. Configurable Workflows – Adapts to your credit policies

3. Scalable Architecture – Grows with your portfolio

4. Proven Implementation – Rapid deployment with measurable results

The Future of Dealer Underwriting

The most successful lenders will leverage:
🔹 Predictive analytics that anticipate dealer needs
🔹 Automated covenant monitoring
🔹 Self-service dealer portals
🔹 Blockchain-secured documentation

pOrbis is pioneering these innovations today through continuous platform enhancements.

Take the Next Step in Underwriting Excellence

Our Dealer-Focused Underwriting Dashboard helps you:

✔ See risk more clearly
✔ Act on insights faster
✔ Build stronger dealer relationships

Ready to transform your credit underwriting?
📅 Schedule your personalized demo today!

pOrbis: Powering smarter credit decisions through intelligent dealer underwriting solutions.