ACBS Commercial Loan System

Seamless loan life cycle processing

In the highly competitive and ever-changing world of corporate With support for a broad range of lending, from middle market to
and commercial lending, responding to market opportunities large syndications, and across multiple business lines, markets
quickly, confidently, and without fear of system and operational and geographic locations, you don’t need multiple specialty
risks is a must. systems. The solution’s flexible model supports a wide variety of
deal types:
Immediate access to information and ensuring compliance is
vital in rapidly making informed decisions. All of this must be ●● Syndications
accomplished economically, while providing excellent client ●● Participations
service that sets your organization apart from others.
●● Bilaterals
The ACBS Loan System addresses these challenges with robust
enterprise-level software systems that provide tightly integrated ●● Real estate
functionality and workflow throughout the life of a commercial loan. ●● Asset-based lending
●● ACBS Deal Creation into Servicing (DCIS) allows for real time ●● Letters of credit
integration of customer, facility and loan information directly ●● Guarantees
from Origination. Using a combination of APIs and predefined
booking templates, DCIS eliminates dual capture, increases ●● Discounted instruments
efficiency and reduces risk during loan on-boarding. ●● Multi-currency, branch, portfolio
●● After deal closing, ACBS Servicing manages all financial and ●● User-filtered values by portfolio
non-financial compliance with the terms and conditions of the ●● Complex credits
deal throughout the life cycle of the credit by enforcing
client-defined operational controls and policies.
Automated processes and controls
●● ACBS RealTime maximizes the value of Servicing information
Client-configurable templates and instructions, manage
and increases commercial lending operational management processing from start to finish, whether structuring deals and
efficiencies and risk mitigation through up-to-the-minute query performing transactions, or eliminating redundant data entry and
and reporting capabilities for managers and users. reducing input errors.
●● ACBS DataMart enables business users to intuitively access
The sophisticated processing engine automatically queues up
and analyze comprehensive historical trending and analytical transactions, with dates and amounts pre-populated for interest,
reporting to address your organization’s strategies for revenue principal and fee payments, and rate resets for LIBOR rollovers.
growth, risk management and customer relationships
The system automatically ensures that necessary data is
entered and valid, and stops and flags the process until issues
are corrected.
2 ACBS Commercial Loan System

Managers can easily identify and manage workflow bottlenecks, Reduced risk and increased security
enforce process rules, and reassign tasks as needed, while ACBS helps reduce operational risk through a number of ways,
power screens help users work more efficiently with customers, including:
facilities and loans.
●● Enforced credit terms, contract limits, borrowing restrictions,
The system also offers: limit and obligor tracking, covenant monitoring, and grid pricing
●● Bookmarked favorites to reduce search time ●● Flexible repayment capabilities to maximize control over how
●● One-, two- and three-touch approval options billings are generated

●● The ability to make policy decisions by portfolio ●● Organized electronic collateral, document and guarantee tracking
●● Handling of document attachments and notes for customers,
Robust product, fee, accrual and facilities and loans
transaction processing ●● Standard payment interfaces
A variety of interest and fee structures and options support simple
to complex structures and include client-defined income and The system is built on the highest security standards to ensure
expense classifications. The system also features multiple accrual your data is safe, including highly configurable, permissions-
schedules at the borrower and/or lender level, support for straight, based user roles and a complete audit trail of data changes. You
tiered and split accrual methods, and accrual and cash basis will know who changed what, when.
accounting with flexible accrual calculation modifiers. You can
set accruing and fixed fees at the deal, facility and loan levels. Customizable and flexible
The system also supports: ●● Powerful configurable options give clients the ability to create
customizable product structures to suit their specific
●● Straight-line and effective interest rate amortization requirements – with no coding required.
●● Tracking for the forecasted commitment period (prior to deal ●● Legal entities
closing), with supporting general ledger entries and servicing ●● Income/expense
activities prior to the deal closing date ●● Portfolios
●● Tickler/system messages
●● Back-valued and future-dated transactions ●● Gl units/cost centers
●● Security access control
●● Automated balance transfer capabilities, including ●● Officers
●● Multi-currency controls
interest capitalization ●● Servicing areas
●● Calendars
●● Common tables
Optimized for middle market and small ●● Index rate maintenance
business ●● Bank policies
●● Collateral valuation
One of the key benefits of the system is its support for middle ●● Workflow decisions
market and small business. This includes commercial lending ●● Cash offsets
escrow support, including automated escrow analysis and bulk ●● Transaction codes
●● Label overrides
disbursement processing for tax authorities and insurance ●● Instrument types
agents for high-volume portfolios. It also features extensive real ●● Description editor
estate collateral information capture for property, lien, flood, ●● Receivables/payables
●● Menu manager
taxes and insurance as well as tenant tracking and appraisals.
The system also provides:
●● Prepayment penalty alerts at the facility, section or loan level to
flag when payoff events and principal repayments are made
before the expected date
●● Bank-defined automated non-accrual status changes based on
a preset number of delinquent days
●● Auto re-amortization based on index pricing changes, or for a
pre-determined recast period, as well as ad-hoc requests when
processing unscheduled or overpayment of principal
●● Support for SBA 7(A) servicing and full report-ready extracts for
SBA form 1502 reporting to Colson
 ACBS Commercial Loan System 3

Sophisticated agency servicing Integrated business intelligence

ACBS fully supports Syndication and Participation servicing, ACBS Business Intelligence offers information management for
with many specialized features for efficient lender management. the executive or analyst in the front office and the back office,
With ACBS, you can centrally manage investor groups for quick integrating on-demand reporting, ad-hoc query and analysis,
deal setup. Spreadsheet-like entry makes it quick to enter initial multi-dimensional analytics, and dashboards into all aspects of
syndication. Users can easily copy bank groups from other the commercial lending business.
facilities and track multiple investor contacts specific to a deal,
Seamless data sharing, relationship management, credit
including co-agents, admin agents and other investor roles.
approval, general ledger, document management, amendment
ACBS tracks individual lender records for granular servicing and restructuring tasks are all completed with fewer errors and
and general ledger reporting. You can spread fees, accrual improved data integrity.
schedules, invoicing and other details from the borrower down
ACBS DataMart enables business users to easily access and
to all investors.
analyze comprehensive historical trending and analytical
The system also offers: reporting to address their organization’s strategies for revenue
growth, risk management and customer relationships.
●● Comprehensive assignment and reallocation management
More than 100 customizable customer- and product-centric
●● Multiple accrual calculation tracking for borrows and investors
business models allow you to monitor key performance
●● A powerful notification engine for interactive and/or batch indicators within risk management, profitability analysis,
generation of borrower and lender communications operational analysis, planning, customer management and other
areas. With more than 7,500 data elements, you can get the
Trading information view you need without waiting for IT to process it on
a request-by-request basis.
ACBS offers the ability to book and account for traded assets
bought and sold in the secondary market from trade date
through settlement date, for your institution. You can track Real-time information management
global deals in the marketplace in a user-friendly deal browser. Mission critical intraday information is key to improving
operational processes. ACBS RealTime provides real-time query
Trade Capture Workshop is used by closers, middle- and back-
and reporting capabilities, with pre-defined customer and
office operations to enter loan trades, as of the trade date, for
product-centric models for managers and users from multiple
both par and distressed trades. A position browser provides the
areas, including:
closer with current commitment and settled positions for
tranches by trading book. ●● Risk management
ACBS also supports: ●● Financial management
●● Trade date accounting as set forth by USGAAP, for trade date ●● Operations
and as the value of the trade or the expected gains and losses
Timely decision-making. Reduced operating costs. Improved
change over the trade life cycle
data quality. Enhanced analytics. Market-proven.
●● Trade settlement integration with ACBS Servicing, with a
Discover how ACBS Commercial Loan System can help your
single-user action at either the trade- or sub-account level
business thrive from pipeline and servicing to business
●● LSTA and LMA required standard trade confirmation and intelligence.
funding memo
ACBS is a standalone solution for commercial lending
●● Bank customization of loan trading operations and
as well as part of the FIS™ Commercial Lending Suite,
implementation
an integrated front-to-back-office solution with built-in
●● Trade reporting from ACBS Business Intelligence solutions workflow and analytics for the entire commercial
loan process.
ACBS Commercial Loan System

About FIS
FIS is a global leader in financial services technology, with a
focus on retail and institutional banking, payments, asset and
wealth management, risk and compliance, consulting and
outsourcing solutions. Through the depth and breadth of our
solutions portfolio, global capabilities and domain expertise, FIS
serves more than 20,000 clients in over 130 countries.
Headquartered in Jacksonville, Florida, FIS employs more than
53,000 people worldwide and holds leadership positions in
payment processing, financial software and banking solutions.
Providing software, services and outsourcing of the technology
that empowers the financial world, FIS is a Fortune 500
company and is a member of Standard & Poor’s 500® Index.
For more information about FIS, visit www.fisglobal.com.

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