Lender Plugin

For Auto Lenders

Credit risk intelligence, residual value tracking, EV portfolio exposure monitoring, collateral valuation, and market momentum signals — all framed in the language of lending.

Skills

Agents

Commands

Audience

Who It's For

Auto Loan Officers

Underwriters and loan originators needing collateral valuations

Residual Value Analysts

Lease companies tracking depreciation and residual risk

Floor Plan Lenders

Providers monitoring dealer inventory collateral exposure

Portfolio Risk Managers

Credit analysts covering auto lending concentration risk

Skills

5 Skills, Activated by Natural Language

Just ask questions — skills trigger automatically based on your intent. Every output is framed in the language of credit risk, not retail automotive.

Skill	Trigger Phrases	What It Does
depreciation-tracker	"depreciation rate", "residual value", "residual risk", "which cars hold value"	Multi-point depreciation curves framed as residual risk signals. Brand retention tiers, segment comparisons, geographic variance.
vehicle-appraiser	"collateral value", "what's it worth", "appraise this vehicle"	Collateral valuation with current market value for LTV calculations. Comparable listings, sold transactions, ML-based estimate.
market-trends-reporter	"market trends", "price trends", "lending risk signals"	Market trend intelligence framed for lending risk assessment. Price signals by make, collateral value trends, risk factor narrative.
ev-transition-monitor	"EV depreciation risk", "EV adoption", "battery risk"	EV adoption rates, EV vs ICE depreciation comparison, battery depreciation risk for lending portfolios. Portfolio concentration alerts.
market-momentum-report	"market momentum", "sector trends", "portfolio risk"	Segment-level momentum signals for portfolio allocation decisions. Supply/demand balance, sector concentration, bullish/bearish signals.

Commands

3 Slash Commands

Command	Usage	What It Does
/onboarding	/onboarding	Lender profile setup — portfolio focus, LTV thresholds, tracked segments
/vin-lookup	/vin-lookup VIN	VIN decode + current value for collateral checks
/setup-mcp	/setup-mcp API_KEY	Configure MCP connection with your MarketCheck API key

Live Examples

Real Market Data Outputs

All examples use real market data framed for auto lending risk context. Lender persona “Midwest Auto Lending” is fictional — used for illustration.

BRAND RETENTION TIERS — Ohio Market (Residual Risk Analysis)
Midwest Auto Lending · March 2026
═══════════════════════════════════════════════════════════════

Data: Sold transactions (past 90 days), Ohio statewide
═══════════════════════════════════════════════════════════════

TIER 1 — PREMIUM RETENTION (Low Residual Risk)
Advance Rate: Up to 90% LTV
┌───────────┬──────────────┬────────────────┬──────────────────────────────────────┐
│ Brand     │ Median Sold  │ Vol (90d, OH)  │ Lending Signal                       │
├───────────┼──────────────┼────────────────┼──────────────────────────────────────┤
│ Toyota    │   $34,251    │   42,406 units │ Strong D:S, low DOM, collateral-safe │
│ Honda     │   $30,078    │   48,466 units │ Proven demand, consistent floor       │
└───────────┴──────────────┴────────────────┴──────────────────────────────────────┘

TIER 2 — SOLID RETENTION (Moderate-Low Residual Risk)
Advance Rate: Up to 85% LTV
┌───────────┬──────────────┬────────────────┬──────────────────────────────────────┐
│ Brand     │ Median Sold  │ Vol (90d, OH)  │ Lending Signal                       │
├───────────┼──────────────┼────────────────┼──────────────────────────────────────┤
│ Chevrolet │   $28,666    │   73,679 units │ High volume, balanced supply/demand   │
│ Jeep      │   $30,083    │   35,292 units │ Acceptable retention, watch aging     │
└───────────┴──────────────┴────────────────┴──────────────────────────────────────┘

TIER 3 — MODERATE RETENTION (Elevated Residual Risk)
Advance Rate: Up to 80% LTV
┌───────────┬──────────────┬────────────────┬──────────────────────────────────────┐
│ Brand     │ Median Sold  │ Vol (90d, OH)  │ Lending Signal                       │
├───────────┼──────────────┼────────────────┼──────────────────────────────────────┤
│ Ford      │   $35,458    │   74,989 units │ High $ but wide variance, price risk │
│ Nissan    │   $22,484    │   24,874 units │ Weaker floor, higher LTV exposure    │
└───────────┴──────────────┴────────────────┴──────────────────────────────────────┘

TIER 4 — HIGH VOLATILITY (High Residual Risk)
Advance Rate: Max 75% LTV · Enhanced monitoring required
┌───────────┬──────────────┬────────────────┬──────────────────────────────────────┐
│ Brand     │ Median Sold  │ Vol (90d, OH)  │ Lending Signal                       │
├───────────┼──────────────┼────────────────┼──────────────────────────────────────┤
│ BMW       │   $45,376    │    8,711 units │ High $ luxury — thin demand, slow    │
│           │              │                │ liquidation, concentration risk       │
└───────────┴──────────────┴────────────────┴──────────────────────────────────────┘

═══════════════════════════════════════════════════════════════
LENDING POLICY RECOMMENDATIONS
  Tier 1 (Toyota/Honda): Standard advance rates, lower reserve requirements
  Tier 2 (Chevy/Jeep): Standard rates, monitor aging in portfolio reviews
  Tier 3 (Ford/Nissan): Tighten LTV at origination by 5%; flag for quarterly
    revaluation at 12+ months
  Tier 4 (BMW/Luxury): Require independent appraisal; 75% LTV hard cap;
    increased loss reserve allocation
═══════════════════════════════════════════════════════════════

Agents

2 AI Agents, Orchestrated in Waves

W1Wave 1 — Parallel

portfolio-scanner

Batch VIN revaluation — flags underwater and high-risk collateral

brand-market-analyst

Brand-level depreciation and market share for sector analysis

OutCombined Risk Intelligence

risk-report

LTV flags + advance rate recommendations + tier classifications

Workflows

Built for Your Lending Rhythm

Collateral Check

~60 sec

$Collateral check on VIN 5TFLA5DB..., $40K loan

Market valuation + LTV analysis + risk classification with revaluation triggers

Portfolio Revaluation

~5 min

$Revalue these 20 VINs from our Q1 portfolio sample

Batch collateral estimates with underwater flags and LTV alerts for each VIN

Advance Rate Tables

~3 min

$Rank brands by value retention for our advance rate tables

4-tier brand classification with recommended advance rates and policy guidance

Monthly Risk Report

~10 min

$Monthly lending risk report — market trends for March 2026

Collateral value signals by make + risk factors + lending recommendations

Ready to Get Started?

Install the lender plugin and start getting credit risk intelligence in under 2 minutes.

# Install lender plugin
$ claude plugin add https://github.com/MarketcheckHub/marketcheck-cowork-plugin.git --plugin lender