Modern Commercial Lending for Community Financial Institutions

Future-proof your institution with a modern lending experience while managing risk, growing relationships, increasing efficiency and reducing costs with nCino’s Commercial Lending Solution for Community Financial Institutions.

A Complete Commercial Lending Solution from the Pioneer in Cloud Banking

With nCino’s Commercial Lending Solution for Community Financial Institutions, your organization benefits from a modern, cloud-based, end-to-end lending solution that will scale alongside you and help you adapt to changing market conditions.

Replace disparate, siloed systems with a single, streamlined solution.
Simplify the loan application, onboarding, and origination process for users and borrowers.
Improve the speed and quality of credit decisions with robust spreading functionality.
Centralize data to facilitate comprehensive reporting and portfolio management.
Discover value quickly with a rapid implementation timeline.

9 to 1

reduction in systems used.

80%

decrease in time spent to originate commercial loans.

70%

decrease in loan approval time.

80%

reduction in duplicative data entry for commercial loans.

100%

increase in active deals handled per underwriter.

You really want a partner that’s going to be there for the long term with you as you grow. From the first demo to where we are today, nCino has been a great partner. We constantly look for opportunities to make things better, and nCino’s working with us to do that.

Michael Moores

CLO, VeraBank

Designed to Deliver Efficiency and Cost Savings

nCino’s Commercial Lending Solution for Community Financial Institutions replaces point solutions and manual processes allowing your organization to quickly see cost savings and improved efficiency, along with increased transparency and collaboration across the organization.

Accelerate processes with configurable and intelligent automation.
Eliminate duplicative data entry and increase accuracy of information.
Maximize performance, productivity, and profitability across teams.
Streamline technology providers and simplify vendor management.

Effectively Manage Risk

nCino’s Commercial Lending Solution for Community Financial Institutions provides a breadth of tools to assist your organization with effective and efficient risk management.

Store all loan and underwriting details on a single, secure platform so credit analysts can quickly access and analyze up-to-date data for improved credit decisioning.
Track key risk metrics, including portfolio concentrations and relationship exposure, with real-time reports and dashboards.
Ensure fulfillment of regulatory compliance policies and adherence to global, local, and federal regulations, including Dodd-Frank 1071.
Eliminate the re-keying of data across multiple systems for increased accuracy and efficiency.
Promote the safety and soundness of loan portfolios with institutionally defined risk ratings.

Provide Personalized Experiences

Give your borrowers and employees frictionless, personalized experiences that enable long-lasting relationships and institutional strength.

Leverage data across the organization to provide exceptional borrower experiences.
Offer a simple and connected single platform experience for bankers and borrowers.
Supply actionable, data-driven insights to the right user at the right time for maximum impact.
Intelligently automate rote tasks so employees can focus on nurturing relationships.
Attract and retain top talent with a modern technology offering.

nCino has allowed us to eliminate our traditional paper loan files, replacing them with a member-centric place to track, monitor and store information about our borrowers...

Drew Schmid, Executive Vice President of Special Projects,

1st Community Federal Credit Union

The Foundations of Modern Commercial Lending Start Here

Loan Origination System

Commercial Loan Origination System

Equip your institution with a streamlined application and origination process to accelerate revenue growth, improve operational efficiency, effectively manage risk, and deliver exceptional customer experiences with our Commercial Loan Origination System.

Automated Spreading

nCino's Automated Spreading Solution, powered by nIQ, reduces the time it takes to spread financials, enabling portfolio growth by improving the speed and quality of credit decisions.

Credit Analysis

Credit Analysis Suite

Seamlessly integrated into the commercial loan origination workflow, nCino's Spreads contains a suite of powerful credit analysis tools to produce faster, higher-quality decisions.

Enterprise Onboarding

Boost customer acquisition and retention through a streamlined digital onboarding process with nCino's Enterprise Onboarding solution.

Commercial Real Estate (CRE) Lending

Commercial Real Estate Lending

With nCino, you can efficiently and proactively originate, analyze, and monitor Commercial Real Estate (CRE) loans.

Document Management

Discover our central document management system that eliminates paper files and streamlines workflows.

See a Demo

See nCino in action and learn how the pioneer in cloud banking can help transform your financial institution.

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