What Makes Us Different
We Build Client Relationships
AFS strives to understand an organization's strategic goals and to work proactively to achieve client business and technology objectives. Differentiated competitively by the unparalleled strength of its client relationships, AFS accepts responsibility for the financial success of its clients and delivers ancillary support services to help maximize the benefits of AFS' systems solutions. Support services range from thought leadership information and best practices counsel to specialized functional expertise in lending business transformation, risk management, and credit process efficiencies.
AFS' client focus is long term and in-depth, with an average client relationship exceeding 20 years. Existing clients continually extend their AFS lending functionality to automate additional processes, consolidate processing of diverse lines of business, and further centralize information and control of credit functions.
The longevity and breadth of its client relationships enables AFS to know its client organizations well and thus to bring unique value to each franchise on an ongoing basis.
We Offer the Only Straight-Through Integrated Lending Process
AFS offers the only straight-through integrated lending process available globally. Every type of loan-consumer, commercial, small business, specialized assets, syndications and participations—can be originated, underwritten, and processed on a single system, resulting in dramatic cost savings and consolidating information to manage the business.
View our Integrated Lending demo to learn more about our straight-through lending process.
We Provide You with Information to Run your Business
Because our solution is fully integrated, AFS provides comprehensive management information reporting on the entire lending portfolio from a solitary data source that is filtered to provide the information specific to the needs of various constituencies within the organization. Information is segmented to facilitate the governance of key business needs-sales, credit quality, regulatory compliance, operations, portfolio analysis, customer and product profitability, and risk management. AFS enables organizations to achieve enterprise-wide data sharing and information delivery, ultimately at lower costs and with the highest level of data integrity and enterprise value.
Learn more about our Integrated Information Reporting solutions.
We Take the Time to Understand Your Needs
We begin every partnership with a detailed discovery process. During this process, we jointly develop a roadmap to migrate your organization from its current environment to a fully integrated state using the most appropriate AFS solution to mitigate risk, grow revenue, and reduce costs.
Our Solutions Benefit All Key Areas:
Compliance
From Basel II's risk management and capital allocation directives to Sarbanes-Oxley's call for transparency, the scrutiny under which financial institutions are now working is intense. Never before has the need to clearly demonstrate the ability to manage risk and the business of banking been so important. AFS is fully engaged in dialogue with its customers and regulators about the requirements for control and accountability in this new environment and AFS has responded to risk management and regulatory challenges through thought-leadership initiatives and by ensuring that AFS systems are fully Basel II, Sarbanes-Oxley, FFIEC and FASB/IASB compliant.
Enterprise-Wide Risk Management
AFS delivers the systems integration necessary to identify and manage both operational and credit risks. Enabling an enterprise-wide view of exposure-by industry, by geography, by collateral type, by lending product, by vintage, by tenor, by organizational unit-as well as account monitoring at an individual loan level, AFS is uniquely able to provide information and report on all aspects of credit risk. Further, workflow management tools report regularly on process exceptions to identify areas of operational risk. AFS' vision for managing information enables banks to achieve a new level of organizational transparency and financial performance.
More on AFS Risk Management Solutions
Operations
By streamlining and automating operational tasks, including duplicative data entry, error resolution, loan administration, and loan booking, AFS dramatically brings down the cost of lending operations. Whether an AFSSolution (licensed) or an AFSCommerce® Application Service Provider (ASP) client, a bank will see significant improvements in its cost structure and enhance its ability to compete through the capacity rapidly to expand its product offerings and respond to market needs.
Portfolio Analysis
AFS' sophisticated analytical tools enhance clients' profitability by providing the ability to perform in-depth portfolio analysis with enhanced information tools. The AFS solution provides the ability to monitor customer exposure enterprise-wide; to evaluate portfolio concentrations by industry, currency, and country; to assess portfolio risk profiles; to identify credit policy exceptions; and to be alerted to credit deterioration. This functionality significantly reduces credit risk and loan losses.
Finance
Information is filtered for Finance to see profit margins by organizational units, groups of customers, and lending products. The system provides information to identify revenues and costs at the individual loan level, the customer level, the account officer level, the product level, and by organizational unit. Reporting is customized to reflect a client's unique organizational reporting structure.
Sales
Relationship Managers have ready access to information about their customers' credit positions and are alerted to deteriorating credit conditions to foster proactive intervention. AFS tools enable the sales staff to identify cross sales opportunities and price deals more profitably and consistently across the lending enterprise.
