The commercial banking industry is facing pressure from regulators, a challenging competitive environment, changing customer expectations and outdated technology. In order to combat these challenges, financial institutions need an intelligent platform to balance growth, profitability, efficiency and risk, all while exceeding customer expectations. Built into nCino's Bank Operating System, the Commercial Banking Solution provides institutions with a seamless end-to-end experience, where customers and financial institutions interact on the same secure platform. nCino's intelligent single platform replaces disparate systems within the institution with one digital/mobile-enabled solution that streamlines customer onboarding through deposit account opening, loan origination, underwriting and portfolio management. Third parties, such as regulators, can be provided instant access to nCino's platform, reducing review and audit times, as well as business process disruption. Leveraging nCino's suite of automated tools on an intuitive digital platform enables financial institutions to truly dominate the marketplace - accelerating revenue growth, improving operational efficiency, effectively managing risk, and providing an exceptional customer experience.