CRE lending is inherently data-driven, and AFS has the tools to manage that data.

The AFS solution enables a straight-through credit process to capture the data needed for clarity and transparency in commercial real estate lending today.

The AFS CRE capability efficiently processes this data-intensive line of business, unifying all relevant information needed about real estate under negotiation (see sidebar). The solution captures the characteristics of the loan and the essential real estate information (appraisals, inspection reports, environmental studies, etc.).

The AFS CRE functionality combines the ability to capture risk ratings with an automated process that determines the approval authorization required, providing the only straight-through approach to commercial real estate lending available today.

AFS automates the CRE origination process with workflow management customized to reflect and monitor your policies and procedures for loan approval and booking.

AFS provides the most functionally rich loan servicing capabilities on the market, efficiently supporting and reporting on virtually any type of real estate loan. The solution identifies loans for securitization based on specified criteria, pools them, and executes the transfer of the loans and all related notifications. As an all-in-one CRE servicer, AFS also provides functionality for assumptions, loan consolidations for real estate investors, escrow, and CRE renewals.

Knowing that real-time information within the CRE line of business is crucial, AFS delivers Web-based, real-time, online access to account status for superior customer care, which also supports portfolio, managerial, and regulatory reporting needs.

Contact AFS for details.

AFS CRE Fields Include:

HMDA
Race, HOEPA status, Purchaser type, Rate spread, Property type

Basel
Rating types, Credit ratings (with dates)

Industry Code Tracking
SIC, NAICS

USA PATRIOT Act
Country of citizenship, Type of TIN indicator

Gramm Leach Bliley Act
Privacy Code

Asset sales/Syndications
CUSIP number, SNC Indicator, Deal number

Underwriting Indicative Data
DSC (Debt Service Coverage), Debt/income ratio, Debt amount, Original and Current LTV

Appraisal Information
Amount, Type, Appraiser, Date

Collateral
Property addresses, Square Footage, Units: Rooms & Stories, Parcel, Acreage, Lot & Block, Census Tract, Property Management Information, Rental Square Footage by Type, etc.

Physical Damage Insurance

General Lien Information

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If you would like more information on AFS products and services, please contact us today!

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