Commercial Pricing & Profitability

In today's increasingly complex economic landscape, financial institutions face mounting pressure to adapt to policy changes that significantly impact their lending portfolios. The current administration's implementation of tariffs presents both immediate challenges and long-term considerations for lenders across the United States. With rising economic policy uncertainty weighing on business fixed investments, financial institutions must prepare for potential credit deterioration and adjust their risk management strategies accordingly.

Rising interest rates can have a significant impact on financial institutions. In today’s rapidly changing rate environment, it is increasingly important for FIs to understand and take action to prevent significant risk to their institutions. Costs are rising everywhere. Whether you’re buying eggs for breakfast or gas for your weekly trip to visit family, everyone is feeling the shift in economy in some way or another.This environment can place stress on families, individuals and businesses, but it can also have a large impact financial institutions (FIs). Times like these are often characterized by a rise in interest rates, which are fundamental to the business of banking. Rapid changes in rates can affect an FI’s sources of revenue and lower the total value of its assets and liabilities. Without having risk management strategies in place, these changes can have significant impacts on an FI’s financial safety and soundness.While we can’t lower the cost of your breakfast, we can give you some tips on how to understand the interest rate increases and best prepare your institution to weather them.

At nCino, our customers are our top priority. We improve each day by listening to their feedback and continuously innovating on their behalf. In mid-October, we invited more than sixty banking leaders and executives to The NoMad London to network with one other and with nCino leaders, learn about our recent product advances, and provide valuable input on our future roadmap.For those who couldn’t attend in person, we’ve collected some of the exciting highlights and key takeaways from this incredible event.

Commercial loan pricing at financial institutions is traditionally a manual, complex exercise. Often, pricing and profitability calculations are trapped deep within Excel workbooks or other disconnected back-office systems, and using and maintaining these systems can be tedious, error prone and time consuming. While point solutions for strategic pricing can remove the complexity of an Excel based system, they don’t adequately integrate into the loan origination system. These disparate systems can impact all areas of the organization, from the relationship manager up to the executive level.That’s why we’re excited to share nCino’s Commercial Pricing & Profitability solution. This solution enables customers to price commercial loans on-platform, within the nCino commercial LOS, and to optimize loan pricing based on the unique policies and financial targets of each bank to maximize profitability.