---
schema_version: "1"
id: e0bcd4e8522f1ee0568fb9697d6ffa43fb066b25186d52a62be427124fd46da7
title: Assess and Analyze Vehicle Loans and Leases
collection: admin
version: current
locale: en-us
portal_url: https://docs.salesforce.com/admin/current/en-us/ind/264-0-0/auto_finance_underwriter_console.md
canonical_url: https://help.salesforce.com/s/articleView?id=ind.auto_finance_underwriter_console.htm&release=264.0.0&type=5
source_site: help.salesforce.com
content_type: documentation
content_hash: ec49bfcf17ed50d39a14f9553618cffe3e0ef535591d4c7f97344b63ed2c9db6
description: Use the Vehicle & Asset Lending app in Automitive Cloud as an underwriter to assess and analyze the applications submitted by customers or by agents on behalf of customers. Underwriters can configure stipulations, gather insights about the applicant, analyze the applicant profile and credit history, and create proposals. After negotiations and review, the underwriters can share the final proposals with dealers for acceptance or rejection.
products:
  - Automotive
release: "264"
---
# Assess and Analyze Vehicle Loans and Leases

Use the Vehicle & Asset Lending app in Automitive Cloud as an underwriter to assess and analyze the applications submitted by customers or by agents on behalf of customers. Underwriters can configure stipulations, gather insights about the applicant, analyze the applicant profile and credit history, and create proposals. After negotiations and review, the underwriters can share the final proposals with dealers for acceptance or rejection.

### Required Editions

<table class="slds-table slds-table_bordered slds-max-medium-table_stacked slds-m-bottom_small edition"><colgroup><col></colgroup><tbody><tr class=""><td class="slds-cell-wrap" style="vertical-align:top;">Available in: <strong>Enterprise</strong>, <strong>Unlimited</strong>, and <strong>Developer</strong> Editions.</td></tr></tbody></table>

- **[Explore the Underwriter Console in the Vehicle and Asset Lending App](https://help.salesforce.com/s/articleView?id=ind.auto_finance_underwriter_console_explore.htm&release=264.0.0&type=5)**  
    Underwriters at a captive finance or a banking organization can use the Vehicle & Asset Lending Console app to assess each application submitted by applicants, analyze the risk and eligibility, and design offers for a loan or lease. Review the key information available on an Application Form Product record page that help underwriters in their daily job.
- **[Configure Stipulations for Vehicle Loans and Leases](https://help.salesforce.com/s/articleView?id=ind.auto_finance_lending_create_terms.htm&release=264.0.0&type=5)**  
    Create Term records to represent a repository of stipulations that underwriters can add to loan and lease applications. A stipulation is a condition that improves the eligibility for a loan or lease. Typical examples include adding a co-applicant, providing additional proof of employment or income, or increasing the credit score. When an underwriter at a captive finance or banking organization creates a proposal for an application form product, they can add multiple terms to the proposal as stipulations.
- **[Create or Clone Automotive Loan and Lease Proposals](https://help.salesforce.com/s/articleView?id=ind.auto_finance_lending_underwriter_create_stipulations.htm&release=264.0.0&type=5)**  
    Underwriters can create proposals and send them to dealers and customers for review before the final proposal is accepted. To improve the chances of acceptance, or to guide customers and dealers on how to redesign the terms of a loan or lease, underwriters can add stipulations to a proposal. Stipulations help dealers and customers renegotiate the proposal based on the underwriters’ suggestions and can also be used for conditional approvals. Underwriters can also clone existing proposals to quickly modify the terms.
- **[Share Automotive Loan or Lease Proposals with Participants](https://help.salesforce.com/s/articleView?id=ind.auto_finance_lending_underwriter_select_proposal.htm&release=264.0.0&type=5)**  
    Underwriters can select a proposal as the final offer and share it with other underwriters or with dealers to further the decisioning process. Underwriters can assign an action item to review the offer right from the Application Form Product record page, and the selected proposal is shared with the participant specified as the assignee of the action item. Admins can also set up other custom tasks that underwriters can assign as action items, such as verifying documents, or submitting a new application.