Today, credit management is under increased pressure to improve data quality and increase loan decision speed while also decreasing the credit risk for the financial institution (FI). nCino's Bank Operating System enables credit departments to accelerate growth, mitigate risk and minimize inefficiencies within a single platform. Built by bankers for bankers, nCino's Credit Analysis Suite seamlessly integrates credit analysis into the loan origination process to produce faster, higher-quality credit decisions. With the power of nCino IQ (nIQ) and Portfolio Analytics, credit teams automatically spread financial statements and perform concentration analyses, providing employees the flexibility to focus on value-added activities for the institution. FIs no longer have to choose between risk mitigation and speed when determining a customer's creditworthiness. With nCino, book loans faster and better manage risk for the future.
Forecast future cash flows easily with speed and accuracy for analysis of multiple periods across financial statements.
Automate loan processing and decision-making using customer, business and third-party data, configured to the institutions' policies and procedures.
Identify and monitor concentration risks within the loan portfolio using CECL compliant loss rate methods including static pool, vintage, migration, probability of default and discounted cash flow analyses.
Easily add, delete and manage loan covenants during the approval process and throughout the life of a loan.
Fulfill regulatory compliance policies as well as global, state and federal regulations.
Ensure safety and soundness of the loan portfolio with user-defined risk ratings that allow management to assess credit quality, monitor problem loans and manage risk levels over the life of the loan.
Consolidate and communicate details from a loan, collateral, covenant, related exposure, spreads and more.
Track, report and configure workflows to associate with multiple asset types.
Dramatically reduce errors and transform underwriting by automating the data entry and spreading of financial statements and tax return data.
Enable employees to evaluate commercial real estate that customers own or are considering purchasing to analyze property performance.
Equip financial institutions with the ability to view all relationships and their exposure at multiple levels.
Identify, record and track document and policy exceptions automatically to increase efficiency.
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