- Before
- Watches 412 dealers through quarterly loss and delinquency reports — by the time a dealer shows up there, it has already written two hundred deals.
- Now
- Starts every morning from the scored network, opens the alert, and drills from the score to the contracts that prove it.
One dealer, from pattern change to signed restriction
Coppervale Bank buys contracts from 412 dealers in Texas, Oklahoma and Louisiana. On Monday 12 October one of them, Brazos Bend Auto Plaza in Houston, scores 91. Here is what the dealer risk analyst sees, screen by screen, in the working solution.
- 0105:12, Monday
The dealer network, scored overnight
Dana Okafor · Dealer risk analystDana opens a map, not a report: 412 dealers as dots, each sized by contracts funded in 90 days and coloured by risk. One red dot in Houston stands out — Brazos Bend Auto Plaza, 91, with an alert. The side rail shows its score crossing the 80 line, early defaults at 6.1% against 1.2% for peers, add-ons on 87% of deals against 38%.
“Dealer risk scorer scored 412 dealers at 05:12 · 5 alerts open.”
- 02Replay 26 weeks
Watch the dot swell and turn
Dana Okafor · Dealer risk analystShe zooms to Houston and replays the network week by week. In the week of 23 August Brazos Bend is an amber 55 on 101 contracts; by October it is red. The timeline marks the pattern change on 24 August and the alert on 2 October, when the score crossed 80.
- 03One click
Seventeen deals with the same $2,000 down
Deal pattern finderA single deal review sees one $2,000 down payment. Across the dealer’s 148 contracts since 14 July, the same figure repeats seventeen times — with the same two employers, one employer phone, (281) 555-0164, the position “route driver”, and stated incomes within $525 of each other. Four have already missed the first payment, $439,720 is financed, and two more are waiting to fund.
The pattern finder never calls a pattern fraud — it shows the deals for a person to verify.
- 04Drill down
The deals behind the pattern
Dana Okafor · Dealer risk analystThe seventeen open in the deals table under a “Same $2,000 down” filter: vehicle, amount financed, cash down, book, advance, add-ons, the employer check and the first payment for each. Ridgeway Logistics and Lone Star Fleet Services, again and again — and “Could not verify” under every one.
- 05Explain this score
91, explained by signal
Dealer risk scorerFour agents re-read the 148 contracts, follow every first payment and join complaints and fraud referrals. The score breaks down as employment 24 of 25, early default 23, value 17, add-ons 14, complaints 8 and pends 5, explained against 214 independent dealers — while monthly volume ran about 24 a month to June, then 31 in July, 46 in August and 61 in September.
- 06Across dealers
The same employers at another dealer
Complaint and fraud linkerThe phone line is not only at Brazos Bend. Westpark Auto Sales, also in Houston, sent five applications naming the same two employers since 14 July. Ridgeway Logistics has no business at 4400 Almeda-Genoa Rd and is not registered with the state; Lone Star Fleet Services was registered on 3 August with the same registered agent. The number answers as a voicemail for either company.
- 071 min 19 s
Twelve sample deals, verified at source
Review pack builderThe review pack samples twelve deals across the signals and checks each one where it can be proven: the employer called and the state register searched, the VIN decoded against the build sheet, the product menu read. Four paystubs are falsified, five deals carry options not on the car, three menus are unsigned. Contracts BB-0918, BB-0931, BB-0947 and BB-0962 — $97,640 — are eligible for repurchase under §7.2 of the dealer agreement.
“About $812,000 net loss on the 263 open contracts over 12 months · $214,000 for a dealer its size.”
- 08Drafted
Restrict, with conditions — recommended, not decided
Dealer action recommenderThe recommendation is the least action that stops the pattern: employment and income verified by the bank on every deal, advance capped at 115% of book on VIN-decoded options, service contract and GAP each on a signed product menu, the repurchase demand, and a review in 30 days. The notice to the dealer is drafted and sent only when signed.
Termination would strand Curtis Bell’s relationship before the 30-day test.
- 09Signed
Dana signs, with the meaning recorded
Dana Okafor · Dealer risk analystDana signs the restriction with her password and the meaning of her signature: “I reviewed the pack and the deals behind it”. A restriction needs a second signature, so it goes to Russell Teague, Head of Auto Credit Risk, before the notice is sent.
- 10Co-signed
Restricted, and on the action log
Russell Teague · Head of Auto Credit RiskRussell co-signs from his phone; the notice goes to Brazos Bend and Curtis Bell is briefed. The action log shows it at the top: Restrict, today, a review on Thu 12 Nov and $97,640 repurchase demanded — ten days from alert to signed action, five weeks after the pattern changed.
“Found in 5 weeks, not at the loss review.”