Our Straight-Through Integrated Lending Solution
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.

AFSVision Differentiators:

	Only straight-through process (STP) available globally
	Only multi-bank lending system supporting all types of loans (consumer, commercial, specialized assets, capital markets) on a single, integrated platform
	Fully Basel II, Sarbanes-Oxley, FFIEC, and FASB/IASB compliant
	Real-time functionality
	Multilingual, multicurrency capability
	Fully Web-deployed for origination, servicing, and information reporting
	Multiple delivery options: licensing, hosted, and outsourced

View our Integrated Lending demo to learn more about our straight-through lending process.

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.

View our Integrated Lending demo to learn more about our straight-through process.

Benefits of AFSVision include:

Risk Mitigation
	Controls workflow to mitigate operational risk
	Mandates fulfillment of credit policy requirements for approval
	Identifies credit policy, pricing, documentation, and collateral exceptions
	Documents individual accountability for decisions
	Identifies portfolio concentrations (industry, geography, currency, country, etc.)
	Identifies nonaccruals for remediation prior to charge-off
	Tracks and updates collateral valuation and margining
	Provides total customer exposure across entire portfolio
Cost Reduction
	Reduces costs of purchasing, installing, maintaining, integrating, and upgrading multiple lending systems
	Reduces loan servicing time by up to 50%
	Reduces requirement to interface with multiple lending systems
	Eliminates redundant processes within lines of business
	Measures individual and departmental productivity
	Reduces training requirements
Revenue Enhancement
	Provides expanded pricing options
	Supports expanded array of lending products
	Supports global distribution
	Enhances portfolio management capabilities to improve customer and product profitability
	Identifies pricing exceptions for remediation
	Reduces revenue leakage (waivers, transaction back-dating)
	Includes securitization capabilities
	Automates payments application
	Provides additional cross-sales opportunities

Multiple delivery Options with AFSCommerce® and AFSSolution:

With pressures to keep operating costs down, more and more banks are turning to outsourcing as an alternative to in-house investment in systems, staff, management control, and reporting, as well as associated upgrades, conversions, and retraining in an environment of accelerated change.

AFS is pleased to offer its clients two alternative delivery options: a traditional licensing arrangement (AFSSolution) and an Application Service Provider (ASP) capability (AFSCommerce). Both options afford access to the most feature-rich system in the industry.

Which Solution Is Right for You? Read AFSCommerce or AFSSolution: Which to Choose?.

For a demo or more information, e-mail us or call AFS Sales at +1 484 875 1250