Solutions and Services Overview
"Your ability to set limits, controls, and capabilities; understand what is going on; and to do active portfolio management is inherently based on having good information. Therefore, we try to address that situation by making sure that we gather the information once in a straight-through process that AFS is enabling and servicing for us."
Tom Freeman, Chief Risk Officer, SunTrust Bank
AFS offers the only fully integrated lending system designed to process all types of loans (consumer, commercial, specialized assets, and investment banking) on a single, real-time, multi-bank, multilingual, multicurrency system-AFSVision. Integral to AFSVision is its unique straight-through processing capability encompassing the lending process from loan request through payoff or asset sale, including the delivery of management information.
AFSVision enables clients to mitigate credit, operational, and market risks to comply with the Basel Capital Accord (Basel II) by delivering real-time information to manage risk proactively. Management information is integrated throughout the enterprise-across lines of business, markets, products, and processes-to aggregate lending exposure, continually revalue booked loans, identify exceptions to standard policies and procedures, establish accountability, reduce operating errors, and provide more current information on financial condition to the markets and to revalue regulatory capital.
Compliance and Risk Management Solutions for the Financial Industry
AFS' solution augments its straight-through processing methodology with real-time capabilities to reduce risk. Real-time processing mitigates risk by ensuring that up-to-the-minute information is always available to control the risks inherent in exposures, collateral values, margins, past-due loans, guarantors, and pricing.
AFSVision identifies and controls exceptions throughout the lending process, providing real-time information for proactive management of exceptions to credit and pricing policies, as well as to internal credit processes that include approval, underwriting, collateral, and documentation.
Immediate access to information enables financial institutions to move loans off the balance sheet faster, increasing liquidity and reducing regulatory capital requirements. Same-day knowledge of booked loans or derivatives and their terms means they can be more rapidly packaged and sold or traded. Rapid access to information also reduces regulatory capital by demonstrating to regulators an improved ability to manage market, credit, and operational risk.
The chart below depicts AFS' risk management process.
Payments and Treasury Management Solutions
The AFS Payments Product Management Program is a comprehensive, multi-faceted program of continuous improvement that provides financial leverage through the application of integrated, state-of-the-art systems solutions; AFS expertise and ability to execute; and industry best practices.
Available on an Application Service Provider (ASP) basis, the Payments Product Management Program provides immediate access to outsourced AFS systems and a full range of staff expertise without costly investment in the development of internal infrastructure to support Payments management. Clients can request AFS' assistance with individual components of the program, or can opt to outsource all aspects of Payments Product Management to AFS.
The AFS Deposit Analysis Service combines database management and analytic capabilities to provide immediate performance improvement in payments sales and delivery costs, revenues, profitability, and risk.
More on Payments and Treasury Management solutions.
For a demo or more information, e-mail us or call AFS Sales at +1 484 875 1250