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AFS Pricing Dashboard: A Game-Changer in Commercial Loan Pricing

Automated Financial Systems, Inc. (AFS), a leader in commercial lending technology, has recently introduced an innovative tool known as the AFS Pricing Dashboard. This advanced platform is designed to equip commercial banks with critical pricing intelligence tailored for Commercial and Industrial (CI) as well as Commercial Real Estate (CRE) loans. In an era marked by economic fluctuations and inconsistent loan growth, banks are under pressure to enhance their revenue streams, primarily derived from loan income. The AFS Pricing Dashboard addresses the challenges banks encounter by offering timely, relevant, and detailed market intelligence, promoting data-driven pricing strategies that optimize loan origination and renewal spreads.

The AFS Pricing Dashboard comes packed with essential features aimed at delivering actionable insights for enhanced pricing strategies. Users will have the capability to dissect market trends through various pricing levers, including geographic area specifics, deal sizes, risk segments, and product types. By leveraging a robust database filled with granularity on market practices, banks can access factual data related to deal flows, interest rates, and spreads. An industry-first proprietary SOFR-equivalent spread measure is employed, standardizing pricing comparisons across banks, thereby providing a comprehensive view of spread pricing methodologies. Furthermore, the tool not only highlights opportunities for interest income on upcoming renewals but also prioritizes borrowers who present the greatest potential for revenue uplift while offering relevant market pricing benchmarks for similarly structured deals.

Rick Bare, CEO and President of AFS, noted the importance of clarity in commercial loan pricing due to its inherent opacity. He stated, "Loan pricing varies immensely, influenced by product type, default risk, and various external factors. The AFS Pricing Dashboard transforms this landscape for commercial banks. It capitalizes on our over 50 years of technological expertise, backed by more than $1.2 trillion in CI and CRE loan exposure. This platform empowers banks to make informed, data-based decisions, fine-tune their pricing strategies, and ultimately enhance revenue in this highly competitive sphere."

Targeted at a broad range of stakeholders including executives monitoring performance trends, product and pricing analysts chasing competitive insights, and relationship managers reliant on dependable pricing benchmarks, the AFS Pricing Dashboard is versatile in its applications.

The introduction of the AFS Pricing Dashboard comes at a pivotal time for commercial banks. As they grapple with the need to navigate an increasingly unpredictable economic landscape, the insights garnered from this tool can very well dictate their success in maintaining and enhancing loan revenue. By accurately identifying segments that fall short of market expectations and estimating the economic impact of these gaps, banks can take proactive measures to bolster their portfolio performance.

For organizations keen on maximizing their commercial lending strategies, the AFS Pricing Dashboard provides an invaluable opportunity. By fostering an environment rich in data-driven decision-making, commercial banks are in a prime position to enhance their operational efficiencies and augment their competitive advantage in the market.

To learn more about the AFS Pricing Dashboard or to arrange a demonstration, interested parties can reach out to Doug Skinner, Managing Director of AFS Business Intelligence, through the supplied channels.

In conclusion, the AFS Pricing Dashboard is not just another tool; it represents a new paradigm in commercial lending. By integrating superior market intelligence and emphasizing data-backed strategies, AFS stands at the forefront of transforming how banks approach loan pricing, ensuring they remain resilient and prosperous in a tumultuous industry landscape.