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AFS (Automated Financial Systems) Overview

Exton, PA
201 to 500 employees
Company - Private
Computer Hardware & Software
$50 to $100 million (USD) per year
Automated Financial Systems, Inc. (AFS) is the industry leader in lending and risk management solutions for financial institutions. AFS provides the industry’s only fully integrated commercial lending system designed to process multiple types of loans on a single ... Read more

Company Updates

  • AFS hosted its annual Summer BBQ on Friday, September 22. We work hard, but we also enjoy a little time outside in the sun relaxing while eating hamburgers, hot dogs, and ice cream with our colleagues! Thank you to all the AFS employees who continue to make AFS the stellar company and success that it is!

  • Automated Financial Systems, Inc. (AFS®) announced it has completed the first step of its partnership with BB&T Corporation to implement AFSVision®, a key milestone of BB&T’s commercial loan improvement program.
    “The AFS solution provides us with the ability to respond to changing market and regulatory needs while ensuring scalability for future growth and consolidation,” said BB&T Chief Information Officer Barbara Duck. “We now have a straight-through process, supported by industry best practices, we can leverage in our digital deployment strategies. Our associates were trained in an extraordinary fashion and are well prepared to run the new system.”

    AFS Chairman and CEO Jim Greenwood said, “We empowered the Bank with a real-time and digital enabled straight-through process for its commercial lending business. We have a great partnership working alongside BB&T’s leadership and project teams to help them achieve all their goals and objectives.”

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AFS (Automated Financial Systems) – Why Work For Us?

Exterior shot of our company building. Come join us!

Nobody else does what we do. Because nobody else can.  

Automated Financial Systems, Inc. (AFS) is the industry leader in lending and risk management solutions for financial institutions. AFS provides the industry’s only fully integrated commercial lending system designed to process multiple types of loans on a single, real-time, multibank, multilingual, multicurrency system. Integral to the core AFS lending solution is its unique straight-through processing capability encompassing the lending process from Origination through Servicing.  We have been in business since 1970, a track record that none of our competitors can match. Each day, every day, AFS deploys its knowledge and technology resources to solve bank problems, defined as broadly as need be.  AFS has employees in the U.S. and abroad, each with a wealth of technical and banking best practices, resulting from deep experience in the field and 1:1 contact throughout the industry.     

The AFS straight-through process (STP) for credit manufacturing:  Processes the widest array of loan types (consumer, commercial, specialized assets, and investment banking) on a single, real-time, multibank, multilingual, multicurrency system  Encompasses the lending process from loan request through payoff or asset sale, including the delivery of management information, all on one system  Represents the foundation for AFS innovation across the market, providing valuable feature-rich solutions, business analytics, and best-practices to domestic and global banks on a regular, ongoing basis Ensures a unique ability to administer credit from a position of control, responsiveness, efficiency, and transparency, enabling you to serve your customers using a solution that stands alone in its ability to mitigate risk, generate revenue, improve data quality, and cut costs  The level of expertise AFS provides cannot be accessed anywhere else. Let us show you why.

AFS offers expertise at every level.

To ensure that we continually serve the complete needs of our clients, AFS gathers experts from both disciplines of financial services expertise, and technology solutions.

AFS staff members distinguish themselves by an ongoing commitment to learning, whether that means gaining increased insight into clients’ issues and problems or maintaining industry-wide views for trend analysis and formulation of best-practices responses.

And we freely disburse that knowledge industry-wide, with AFS senior managers and executives routinely issuing white papers, industry commentaries, and published articles. They continually engage in speaking opportunities in front of some of the leading regulatory agencies, trade groups, and top banking institutions worldwide, valued for their deep expertise and insightfulness.   

We select the best of the best when assembling teams of associates to ensure that our solutions not only represent the apex of functionality and benefit but also that they are backed by the knowledge of a trusted advisor. And we commit to excellence on those two foundations each and every day, using them as a starting point for increased relevance and value to our clients.

The entire AFS organization is steeped in this responsibility, from its most senior executives and directors, down through all levels and titles.

Put us to the test—we welcome your most compelling challenges.

We have the experience you need to compete—over 6,000 years experience among our employees.

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. 

In carving out and maintaining its industry-leading position, AFS:

  • Has remained focused on the lending line of business
  • Carries 6,000 years of banking experience among its employees
  • Processes over US$1 trillion in Commercial and Commercial Real Estate daily
  • Originates/services over 750,000 new loans annually on a Web-based platform
  • Supports over 25,000 loan officers with distributed, Web-based reporting
  • Provides AFSCommerce®, the AFS Private Cloud delivery, which has become the fifth largest loan processor in the U.S.
  • Has supported/managed 70 major bank consolidations over past five years
  • Has invested US$100 million in credit-specific R&D over the past five years. Investments and product expansions include: 
    • Originate to hold or sell strategy (consumer through capital markets)
    • 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: 
    • Dodd-Frank 
    • Basel III 
    • IFRS 
  • Touches nearly every top U.S. (and foreign-owned) bank in the commercial, commercial real estate, construction, multi-family residential, and agricultural lending markets
  • Has global reach
  • Provides the AFS Best Practice Leadership Council, whose exclusive Benchmarking Services over the past 10 years have supported the 50 top banks U.S. and globally 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 
    • AFS/McKinsey Credit Delivery Model Benchmark 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.

A Letter from Our President

AFS sits at an interesting intersection, where financial knowledge meets technological expertise. We employ experts from both disciplines—selecting the best of the best to ensure that our solutions not only represent the apex of client benefit, but also are backed by the knowledge of a trusted advisor.

To provide the best solutions our clients want and partner with them as trusted advisors, we commit to excellence on these foundations each and every day, using them as a starting point to push ourselves in our skills, insight, and knowledge. Everyday is an opportunity to challenge ourselves, learn something new, come up with the next great idea, and share it.

We’re looking for people as dedicated to these goals as we are, who ask of our clients “put us to the test—we welcome your most compelling challenges.” By employing the best of the best we can only get better!   

At AFS our achievements come through execution, and that execution relies on our people. Learn more about what you can accomplish at AFS by applying to join our AFS "family" today!

John Shain, AFS President

With an average employee tenure of over 10 years, new hires are joining a family, not just a company!  We have several employees that have written testimonials, sharing their individual journey here at AFS, and we feature a new one each week on the Careers page of our website as well as on LinkedIn.

To read this week's employee testimonial and apply for positions, visit:

To learn more about our company culture:

AFS (Automated Financial Systems) Reviews

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Jim Greenwood
10 Ratings
  • "Great company, one of the best to work for."

    • Work/Life Balance
    • Culture & Values
    • Career Opportunities
    • Comp & Benefits
    • Senior Management
    Current Employee - Software Architect in Exton, PA
    Current Employee - Software Architect in Exton, PA
    Positive Outlook
    Approves of CEO

    I have been working at AFS (Automated Financial Systems) full-time (More than 5 years)


    You can make your own opportunities by identifying and pursuing a niche that is either underserved or an emerging trend.


    Nothing worse mentioned. All easy to resolve. Maybe coffee could be little better

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AFS (Automated Financial Systems) Photos

AFS (Automated Financial Systems) photo of: 770 Springdale Drive
AFS (Automated Financial Systems) photo of: Halloween 2017 - Costume Contest Winners
AFS (Automated Financial Systems) photo of: Halloween 2017 - Costume Contest Winners
AFS (Automated Financial Systems) photo of: Halloween 2017 - Costume Contest Winners
AFS (Automated Financial Systems) photo of: 2017 AFS Annual Summer BBQ
AFS (Automated Financial Systems) photo of: 2017 AFS Annual Summer BBQ
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AFS (Automated Financial Systems) Interviews



Getting an Interview

Getting an Interview





    PMO Director Interview

    Anonymous Interview Candidate in Exton, PA
    No Offer
    Negative Experience
    Average Interview


    The process took 4+ weeks. I interviewed at AFS (Automated Financial Systems) (Exton, PA).


    First interview was a phone screening with an HR recruiter.

    I was then invited on-site, where I met individually with 5 different people. They had just implemented a new recruiting procedure, where each interviewer was given a list of behavioral questions, and that's what they were supposed to use. I was told that each interviewer should have a different set of questions, but 3 people had the same questions. Some of the interviewers read the questions verbatim, some summarized them and tried to ask in their own words (not always clearly), and some only asked a few questions from the list and then asked their own questions.

    Most of the questions asked were behavioral - there was very little asked of a more technical or skills-based scenario. Since the questions overlapped among interviewers, I tried to identify whether I was giving the same example I used with another person or a different example.

    Interview Questions

    • Tell me about a time where you had to work with a difficult co-worker.   Answer Question
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