Guarantee Credit

The afb Credit Management Solution (afb-CMS) allows you to operate your guarantee credit business with the highest degree of automation. The afb-CMS module group Guarantee Credit offers a customised reflection of all processes of the management of guarantee credits, from application to automatic application decision and processing through to contract management and accounting, in an end-to-end web-based solution. Support your customers with security and guarantee products in the business relationship with their suppliers and thereby expand your sales markets.

Services Guarantee Credit

  • Acquisition of the necessary application data with plausibility check (stakeholders, financing amount and underlying business)
  • Selection or individual capturing of guarantee credit products
  • Automated requests from credit enquiries
  • Generation of automatic or manual credit decisions based on calculated scoring or rating results
  • Workflow-supporting credit processing
  • Contract and fees billing as part of contract management
  • Possible attachment of collateral in collateral management

      Advantages at a glance

      • Integrated system: afb-CMS covers the entire life cycle of the contract in an integrated system – from proposal to termination of contract.
      • Free choice of distribution channels: the solution supports the desired distribution channels in the store, in the field and at the point of sale (POS).
      • Flexible financial products for different types of business: the solution provides the opportunity for private and commercial guarantee credit business to offer flexible financial products for specific transaction types.

       

      • Decision within the framework of the risk strategy: afb-CMS makes the credit decision based on the criteria and rules defined by the financial services provider. This ensures compliance with standardised and centralised credit allocation guidelines and regulatory requirements.
      • Close interaction with collateral management: during activation and the contract period, afb-CMS checks if all the collateral required in accordance with the established rules are attached and linked to the credit contract.

       

      For more information, please contact us

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