We have the experience, expertise and dedication to innovation you need to compete.
AFS builds lending processes based on its straight-through model and on-demand technology and services. But an AFS relationship means much more than just an implementation project or a review of functionalities.
AFS partners with its client base (the average AFS relationship with a bank is more than 20 years and involves multiple engagements of expanding scope) to ensure mutual benefit of both institutions. AFS offers advice, insight, and best-practice consultation, in addition to its unique lending solutions.
The combined deployment of the AFS lending solutions maximizes clients’ earning assets. Over our more than 45-year history, AFS has led the market by:
- Remaining focused on the commercial lending lines of business
- Proving, on a daily basis, our ability to deliver financial results
- Touching nearly every top U.S. (and foreign-owned) bank in the commercial, small business, commercial real estate, construction, multifamily residential, and agricultural lending markets
- Maintaining a reputation for having the most competitive and reliable systems and data quality services in the market, now in use at more than half of the top 40 U.S. banks; AFS processes over US$1 trillion in Commercial and Commercial Real Estate daily and the AFS hosted private cloud delivery, AFSCommerce, now processes over $260 billion in assets daily
- Originating/servicing over 750,000 new loans annually on a Web-based platform
- Supporting 25,000 loan officers with distributed, Web-based reporting
- Managing 70 major bank consolidations over the past 5 years
- Anticipating client requirements and delivering products when needed, as evidenced by recent AFS developments in compliance, real-time processing, and syndications
- Customizing solutions to clients’ individual business models
- Investing over 25% of annual revenues on product development and enhancements —more than any competitor—to maintain a market leadership position. Investments and product expansions include:
- Originate to hold or sell strategy
- Commercial real estate
- Syndication (STP)
- 100 informational dashboards
- 50 product and workflow components
- Completion and rollout of:
- Real-time credit process and STP for all loan products serviced
- Multilingual/multicurrency capabilities
- Ongoing support for banks’ compliance needs that include:
- CCAR
- CECL
- Dodd-Frank
- Basel III
- IFRS 9
- Retaining over 350 of the country’s most knowledgeable and experienced loan professionals to solve client business issues and deliver value—average staff tenure of 20+ years with 10+ years of commercial Banking experience at Managing Director, Director and Manager level
- Partnering with clients to create value through performance-based incentives
- Outsourcing processing and delivery functions to free client staff for critical customer contact and shorten time to market
- Providing leadership in managing change
- Providing Business Intelligence with exclusive Benchmarking Services over the past 10 years that have supported the 50 top U.S. banks though opportunities that include:
- Risk Analysis Service with RMA (credit quality and metrics)
- Operational Benchmarking (cost, throughput and quality)
- Capital Management Program (capital allocation in the credit process)
- Commercial Loan Perspectives (monthly Market Practices Pricing Database)
- RMA/AFS Annual Credit Data Quality Benchmarking Service
- Newsletters that focus on regulatory issues, pricing, and other topics crucial to success in today’s business environment
With the kind of loyalty AFS enjoys, clearly we have a long history of customer satisfaction and partnership. Find out how we can partner with you.