Intelligence Built for Commercial Lending
Accelerate revenue growth, improve operational efficiency, effectively manage risk, and deliver exceptional customer experiences with our Commercial Loan Origination System.
The Proven Commercial Loan Origination System
With nCino’s Commercial Loan Origination System (CLOS), you gain a cost-effective and intelligent solution that can grow alongside your institution and help you adapt to changes in the market. Our CLOS:
Replaces disparate, siloed systems with a streamlined commercial loan origination system.
Improves collaboration and transparency across front, middle, and back offices.
Accelerates the loan origination process with automation.
Utilises real-time reporting for better portfolio management.
Maximizes performance, productivity, and profitability across commercial lending teams.
Banque Raffeisen’s Success with nCino
Learn how Banque Raiffeisen chose nCino to transform its lending operations from the ground up, eliminating manual processes, accelerating mortgage decisioning, and building a scalable platform designed to define the future of credit granting.
Read the Banque Raffeisen Case Study
Bendigo Bank Achieves Record-Breaking Digital Transformation
Bendigo Bank, one of Australia's most trusted financial institutions, has successfully completed one of the fastest digital banking transformations in the Asia-Pacific region of this magnitude, consolidating two separate business divisions and over 30 different forms and systems into a single, unified platform in just 13 months.
Case Study
The Secrets of Judo Bank’s Success
Of the four challenger banking licenses granted by Australian regulators in 2019, only one is still standing – and the Financial Times says it’s growing faster than any other financial institution in Asia-Pacific.
Read the Judo Bank Customer Story
Originate commercial loans 54% faster and increase efficiency at every stage of the loan origination cycle
Increase in new loan volume
Increase in conversion rates
Reduction in loan servicing costs
"Ultimately, that’s what our partnership is about: shared benefits, shared objectives, and we’re looking forward to bringing that forward.”
Steve Jurkovich
Chief Executive at Kiwibank
Save Time with Automations
Gain efficiency and save time across your lending team with automation and intelligence. nCino Commercial Lending:
Onboards new customers and assesses their needs faster with preconfigured workflows.
Automates pre-qualifications and credit approvals based on your institution’s policy rules.
Identifies parameters in which a loan should be automatically approved, declined, or recommended for manual review.
Configured for Compliance
nCino Commercial Lending provides tools that empower your institution to easily fulfil regulatory compliance policies and for adherence to global, local, and federal regulations. nCino’s LOS system:
Leverages an integrated document repository that incorporates your institution’s policies and leaves a visual audit trail for auditors and teammates.
Generates automatic notifications to remind users when a covenant is approaching its due date and serves as a record of compliance for auditing purposes.
Provides regulators and auditors with loan reports to facilitate the compliance review process.
Simplify Deal Management
Accessible within the CLOS, Deal Management provides a straightforward way to access and manage the overall deals of your clients’ loan and products in real time. This feature within the solution:
Delivers a complete view of the relationship in a single location.
Enables easy structuring and management of credit/non-credit deals and products.
Provides commercial bankers with a way to easily navigate through large numbers of records.
Supports creation of sub-loans, information cloning, and bulk editing of details for shared records.
