nCino: Onboard Faster, Lend Smarter, Serve Better
Modern banking moves at the speed of data. The nCino Platform unifies people, AI, and information, simplifying disconnected systems so institutions can open accounts, originate loans, and deliver the experiences that turn borrowers into lifelong customers.
Faster Onboarding, Fewer Bottlenecks, Better Experiences
First impressions matter and with an average commercial onboarding time of 49 days according to Celent, there's a clear opportunity to move faster. Our commercial onboarding solutions can reduce onboarding time by 71%, with streamlined Know Your Customer (KYC) and Know Your Business (KYB) workflows that scale from small businesses to complex corporate clients. Through real-time verification powered by embedded data, you assess risk as information arrives rather than weeks later.
Centralized document management organizes client information, required documentation, and compliance requirements automatically, while digital experiences let users complete their journey online or via mobile without missing a beat. When onboarding connects seamlessly to deposit and lending origination, one workflow opens the door to the entire relationship.
Account Opening Built for Real Life— Online, In-Branch, or On the Go
Clients expect instant gratification. Digital deposit account opening delivers flexible workflows that work across any device— whether customers or members are opening commercial, consumer, or small business deposit accounts themselves, bankers are assisting in branches, or requests are coming in through call centers. The platform's shopping cart experience makes multi-account origination simple, with intelligent document collection that requests exactly what's needed based on account type and regulatory requirements.
Smart Lending from First Click to Final Approval
Lending is where intelligence becomes revenue. The platform automates the entire lifecycle — origination, underwriting, pricing, compliance, and portfolio monitoring — across consumer, commercial, small business, and mortgage lending.
In the United States, Automated Spreading categorizes extracted tax statement data correctly over 99% of the time, reducing manual effort and freeing analysts to focus on what matters most. Banking Advisor, nCino’s AI chat interface, generates credit memo narratives and application summaries, standardizing documentation while Priority Manager tracks file completion at a glance. Automated booking streamlines regulatory compliance providing an efficient approach to traditionally cumbersome requirements.
For mortgage lenders, the platform makes the process simple, from initial application to closing, keeping borrowers informed and files moving. Mortgage Advisor, nCino's multilingual AI chat interface, provides borrowers with 24/7 guidance while reducing the routine inquiries that consume hours of a loan officer's day and Doc Validation accelerates document collection and classification.
A single digital loan file gives all stakeholders the visibility they need — while the Refi Opportunity Analyzer helps lenders proactively grow their portfolio. Together, nCino's intelligent automation tools reduce costs, accelerate speed to close, and deliver borrower experiences that win and retain customers.
Stay Ahead of Risk with Real - Time Insights
Your work doesn't end at booking. The nCino Platform provides continuous oversight across your entire portfolio, transforming reactive monitoring into proactive risk management.
Real-time credit monitoring surfaces early warning indicators before problems become losses. Automated relationship reviews eliminate manual data gathering, while on-demand covenant testing delivers instant results. When risk status changes, intelligent alerts notify the right people — with the context they need to act.
For mortgage teams, Mortgage Analytics brings clarity into pipeline performance and loan profitability, while Incentive Compensation eliminates manual commission calculations, so payouts are predictable and on time.
Data gathering that used to take hours now happens in seconds. Portfolio managers spend their time managing relationships and mitigating risk, not compiling reports. This is prevention, not just monitoring.
Know Where You Stand — And Where You’re Headed
You can't improve what you don't measure. The nCino Platform transforms data into strategic intelligence, giving you visibility into both how your institution operates and how your portfolio performs.
See beyond point-in-time snapshots with historical trending and peer benchmarking powered by the nCino Data Community. Compare your performance against anonymized industry peers to understand where you lead and where you can improve. Identify process inefficiencies, monitor credit health in real time, and surface early warning indicators before problems escalate.
Pre-built dashboards eliminate custom report development while delivering the insights you need to make bold, data-driven decisions. Stop guessing. Start knowing.
Seamless Connectivity Across Your Entire Technology Landscape
Banking doesn't happen in isolation. nCino Integration Gateway acts as your institution's data hub, connecting core systems, credit bureaus, fintech platforms, and third-party applications into one orchestrated ecosystem.
Whether you're syncing loan data to streamline decisioning, automating deposit account creation, or linking contact center platforms for seamless account holder service, Integration Gateway eliminates manual data entry and preserves system integrity. Real-time or batch data movement happens automatically. Pre-built connectors with partners like Equifax, DocuSign, and Jack Henry reduce implementation overhead. This integration layer creates a single source of truth, centralizing your institution's data into an actionable platform that powers smarter decisions across every solution.
Intelligence That Feels Human
What makes the nCino Platform different isn't any single feature — it's how everything works together. nCino's Agentic Operating System (AOS) orchestrates how AI agents and humans collaborate across the platform, providing banking-specific guardrails to deploy, manage, measure and govern AI across your entire operational ecosystem. AI operates invisibly in the background, delivering results in seconds while maintaining institutional knowledge and compliance standards your teams can validate and trust.
This is clarity over complexity. This is intelligence that feels human. This is modern banking — built on a platform designed to grow with you.
decrease in document processing time, reducing onboarding from months to days
reduction in document
legacy systems replaced at one institution
faster loan decision time
“nCino really opened our eyes to what a modern architecture could do and how you could be nimble from an IT perspective.”
Brent Beardall
CEO, WaFd Bank
"The investment in emerging technology has created tangible, economical value for the company and has transformed how the bank conducts business."
Bryan Jordan, Chairman, President, and CEO, First Horizon