Industry Perspective

AFS Perspective is published periodically, and focuses on providing thoughtful discussion and commentary on the state of the industry.

AFS Perspective, Issue 15, Commercial Loan Origination Trends: The Drivers Behind Process Automation by Melissa Hofer, AFS Managaging Director (PDF file 131KB)
In this Perspective, AFS discusses how credit process redesign projects are on the rise in financial institutions as Banks deal with the repercussions of the recent financial crisis.

AFS Perspective, Issue 14, Dodd-Frank Act Affects Small Business Lending by Doug Skinner, AFS Director of Regulatory Compliance (PDF file 455KB)
In this Perspective, AFS reviews the sweeping changes brought about by the Dodd-Frank Wall Street Reform and Consumer Protection Act including two key provisions that will alter the business of commercial lending and, to a lesser extent, mortgage lending.

AFS Perspective, Issue 12, Fair Value, Global Accounting Convergence and its Implications for Banks by Doug Skinner, AFS Director of Regulatory Compliance (PDF file 260KB)
In this AFS Perspective we will review some of the principal tenants of fair value accounting, review its application to commercial lending, and discuss some important issues for banks to consider as the adoption of fair value and global convergence of accounting standards in general start to take hold.

AFS Perspective, Issue 11, The New Reality of Commercial Real Estate Lending (PDF file 361KB)
This issue of the Perspective by Shaun Brady, Managing Director, Global Real Estate Solutions discusses the concerns that continue to dominate commercial real estate related business and technology discussions.

AFS Perspective, Issue 10, Remote Deposit Capture: Measuring Profitablity (PDF file 250KB)
This issue of the Perspective by Joe Cannizzaro, AFS Senior Business Analyst, discusses what banks should be doing to determine payments profitability.

AFS Perspective, Issue 9, Separating Fact from Fiction in Assessing Lending Fees (PDF file 167KB)
This issue of the Perspective discusses how Banks can separate fact from fiction regarding loan pricing and assessing lending fees.

AFS Perspective, Issue 8, A Regulatory Perspective on Outsourcing (PDF file 196KB)
This issue of the AFS Perspective addresses current market dynamics that are challenging the industry's ability to improve earnings and how these trends could collectively accelerate the case for outsourcing of both core and noncore functions.

AFS Perspective, Issue 6, Basel 1A: Political Compromise or Meaningful Reform? (PDF file 212KB)
In this Perspective, AFS discusses the proposed revisions to existing capital regulations, explores areas the proposal does not cover, and examines the implications Basel IA would have on financial institutions of all sizes and complexity.

AFS Perspective, Issue 5, Regulatory Focus on Commercial Real Estate Lending (PDF file 818KB)
In this Regulatory Perspective, AFS explores the inherent risks in commercial real estate lending, its specialized treatment under Basel II, and how leading organizations are harnessing technology to achieve compliance in lending.

AFS Perspective, Issue 4, Loan Pricing in the Middle Market (PDF file 928KB)
This issue focuses on loan pricing in the middle market. Some banks have been highly successful at capitilizing on the market ineffeciences rather than falling victim to them..these banks have been able to grow revenue and build profitable businesses.

AFS Perspective, Issue 3,Basel II and QIS 4: Where Do We Go From Here? (PDF file 246KB)
This issue focuses on the preliminary results of QIS-4, an an impact study designed to simulate implementation of Basel II in this country. The results of the study suggested that capital levels would drop dramatically, with significant dispersion of results across institutions and portfolio types.

AFS Perspective, Issue 2, It's All About Information (PDF file 1,249KB)
This issue of AFS Perspectives discusses how the significant impact of management information on revenue achievement both by increasing sales and retention, and by increasing the profitability of products and customer relationships.

AFS Perspective, Issue 1, A Compelling Solution for Loan Origination (PDF file 427KB)
The August Issue of AFS Perspective focuses on the role of technology in maintaining competitive edge, and defining, monitoring and mitigating operational risk.