What Makes Us Different

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 50-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.