In the highly competitive world of corporate and commercial lending, you have to respond quickly and confidently when market opportunities arise, without fear of system and operational risks. You need immediate access to information so you can make informed decisions quickly. You must deliver excellent customer service to maintain your reputation. Finally, you must be able to do all this at a competitive cost.
| Feature Highlights |
- Broad Coverage
- Flexible instrument definition to support multiple lines of business
- Complex Credits
- Syndications/Participations
- Multi-tranche
- Multi-currency
- Multi-entity
- Data Management
- Common database across all lines of business
- Pipeline monitoring, tracking, and reporting
- Real-time access to borrower and investor information
- Global borrower exposure
- Data integrity throughout the transaction life cycle
- Back-valued and future-dated transactions
- Deal Collaboration
- Electronic credit file
- Team collaboration and flexible workflow models
- Highlighting of bottlenecks and work distribution
- Workflow Management
- Single screen view of customers, facilities, and drawings
- Facility and product templates
- System-generated transactions
- Electronic document and correspondence management
- Automatic tracking and enforcement of policy exceptions
- Decision Support
- Access to business intelligence tools for analysis and reporting
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| Key Benefits |
- Cost Reduction
- Streamlined processes
- Increased automation
- Portfolio growth without staff growth
- Functionally complete; no need for costly workarounds
- Increased Quality and Efficiency
- Elimination of redundant data entry
- Automation of scheduled transactions
- Seamless workflow
- Reduced Risks
- Management of collateral, documents, and guarantees on a single servicing solution
- Elimination of inconsistent and redundant information
- Elimination of disparate systems
- Enforcement of credit terms, conditions, borrowing restrictions, covenants, and grid pricing
- Increased Customer Satisfaction
- Highly professional notifications
- Faster deal processing
- Rapid response to customer requests
- Competitive Advantage
- Management of complex credits
- Integration with primary and secondary syndication and trading systems
- Rapid response to market dynamics
- Availability of deep market expertise and intelligence
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| Supported Platforms |
- Operating Systems: AS/400, Windows 2000/NT
- Databases: Oracle, SQL, DB2/400
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ACBS Origination and ACBS Servicing clients have successfully met these challenges since 1993. Their achievements and ours have made ACBS the gold standard among commercial lending systems.
Product Overview
ACBS Origination and ACBS Servicing are robust, enterprise-scale software systems that manage the origination and servicing of commercial and corporate loan portfolios. They support a wide variety of loan products across multiple business lines and geographic locations. From small bilateral loans to the largest and most complex syndicated credits, they deliver automation, flexibility and rich portfolio information that are unmatched in the industry.
Comprehensive Business Support
ACBS Origination and ACBS Servicing support a broad set of lending businesses from the middle market to large syndicated credits, eliminating the need for multiple specialty systems. Their flexible design lets you originate and service a wide variety of deal types including the following:
- Syndications/participations
- Asset-based lending
- Bilateral financing
- Standby letters of credit
- Export finance
- Equity
- Structured finance
- Real estate
- Commercial mortgages
- Discounted instruments
- Guarantees
- Interest rate swaps
ACBS Origination and ACBS Servicing provide functionality, workflow, and tight integration throughout the life of a commercial loan. ACBS Origination manages pre-closing activities such as pipeline reporting, prospecting, structuring, document generation, finalizing and closing. After closing, all terms and conditions are automatically available to ACBS Servicing, which takes over management of all financial and non-financial activities associated with the loan during its life and enforces your operational controls and policies.
Data Integrity Throughout the Loan Life Cycle
Using one-time input, ACBS Origination and ACBS Servicing provide seamless data sharing—from prospecting and relationship management through structuring, credit approval and closing, to servicing, general ledger, document management, and amendments/restructurings—all without redundant data entry. The result is a reduction in input errors, improved data integrity, and seamless hand-offs between people and teams involved in the process. During these processes, ACBS Origination and ACBS Servicing gather a rich store of real-time information which is used to monitor the status and performance of the portfolio.
A True Global Solution
ACBS Servicing includes multi-currency, multi-branch and multi-portfolio capabilities. Batch cycles can be processed for one region while other regions can stay online. Each portfolio can be set up with region-specific parameters to provide localization while maintaining the benefits of a single global solution for consolidated risk and financial management.