Reduce Risk.
Grow Efficiently.

nCino's Credit Analysis Suite

Turn a Complex Process into a Truly Efficient Operation with nCino's Credit Analysis Suite.

Reduced errors and lower overall portfolio risk
A digital banking environment with streamlined collaboration
Automated underwriting resulting in decreased costs
Timely, quality credit decisions
Configurable templates and workflow

Built by bankers for bankers, nCino's Bank Operating System provides credit underwriting management and staff with a centralized suite of tools to house customer data, track workflow status and manage communication. nCino's Credit Analysis functionality weaves together all the key steps in the lending process, from online application to loan origination, through credit analysis, documentation and closing. Integrating the credit analysis functionality seamlessly into the origination process has several benefits over older methods of spreading, streamlining the credit process for employees and customers alike. With nCino's end-to-end software solution, FIs accelerate growth while effectively managing risk, easing burdens within credit operations.

Aquire Credit-Worthy Customers Faster with nCino's Credit Analysis Suite

Computer running the nCino Bank Operating System

Onboard customers and conduct needs assessments with streamlined workflow preconfigured with an institution's business processes.

Automated Decisioning

nCino supports loan processing by providing automated decision-making using customer, business and third-party data, configured to an institution's processes.


Easily add, delete and manage loan covenants during the approval process and throughout the life of a loan.


nCino's configurable platform allows institutions to fulfill regulatory compliance policies as well as global, state and federal regulations.

Risk Rating

Provides concrete guidance to underwriters and enables a digital method for ensuring safety and soundness of the loan portfolio.

Credit Memo

Consolidate and communicate details from a loan, collateral, covenant, related exposure, spreads and more.

Collateral Management

Tracking, reporting and configurable workflow can be associated with any type of asset with nCino's Collateral Management.

Commercial Real Estate Analysis

Allows employees to evaluate commercial real estate that customers own or are considering purchasing to analyze property performance.

Total Exposure

Equips financial institutions with the ability to view all relationships and their exposure at multiple levels.

Automated Policy Exceptions

Identify, record and track document and policy exceptions automatically to increase efficiency.

"The automation we get from nCino will be impact enough, but the bigger picture is having all parties work a loan from inception to finish in one place."
Annemarie Murphy, SBA Chief Operations Officer at United Community Bank

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