Accelerate Spreading with Intelligent Automation

nCino’s software for financial spreading increases efficiency and improves accuracy, empowering your institution to focus on insightful financial analysis instead of manually re-keying data.

  • Increase efficiency and streamline the underwriting process. 

  • Improve financial spreading consistency and minimize errors.  

  • Enhance productivity and increase focus on value-adding activities, such as analyzing credit.  

  • Leverage artificial intelligence and machine learning to improve data extraction.  

Results-Driven Automation

nCino Automated Spreading transforms a tedious, manual, and time-consuming task into an automated, efficient process.

By automating data gathering and analysis, nCino also enables banks to leverage the data gathered across customers and undertake valuable analysis regarding, for example, vertical specific characteristics and performance.

Alenka Grealish

Analyst, Celent

75%

Reduction in time to spread financials

Reduce duplicate data entry by 25%, resulting in less time spent on manual data entry and fewer errors.

66%

Reduction in systems used to spread financials

"We believe people drive banking decisions, but technology enables them"

Lisa Frazier

COO Judo Bank

25%

Reduction in time spent in the underwriting stage of the loan cycle, enabling a quicker time to close

Efficiency Through Automation

Through optical character recognition technology, nIQ automates information gathering procedures, reducing manual data entry, and transforming data into direct business value.    

  • Enhance spreading consistency by intelligently extracting both unstructured and structured data through powerful OCR technology. 

  • Maintain quality control with line-by-line reconciliation and proactive identification of unclear data fields to maximize accuracy. 

  • Spread financial statements including tax returns, audits, company prepared statements, 10-Ks, 10-Qs, and other documents.  

  • Easily and securely extract data from documents in Document Manager, nCino’s integrated, intelligent document filing solution. 

  • Leverage machine learning to automatically learn from previous data mappings and optimize efficiency on subsequent spreads. 

  • Harness the power of Spreads, nCino’s financial analysis tool, to perform credit analysis with ratios, flexible templates, and trend analysis.   

Discover How You Can Use Automated Spreading

Customer Stories

Deploying nCino’s Accelerated Delivery Model at Platinum Bank

Before implementing nCino, Platinum Bank, a community bank based in the Midwest, was using paper-based processes that required manual tasks. Like many of their competitors, the Bank was looking for a cloud-based solution that would help it gain efficiency, increase transparency and offer its employees and clients a seamless digital experience.Platinum Bank went live on the nCino platform in just under six months, partnering with nCino on an accelerated delivery for incredibly fast implementation, despite additional challenges caused by the COVID-19 pandemic. With new efficiencies and automations to transform commercial lending, the Bank is now able to spend more time in business development and serving existing clients, all while delivering faster credit decisions. Powered by nCino, Platinum Bank can also grow its business loan portfolio more effectively and competitively by identifying bottlenecks in its sales processes.

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Customer Stories

How Busey Bank Leveraged nCino to Transform Processes

Busey Bank, a highly adaptive institution consistently named by American Banker as one of the best banks to work for, is paving the way for growth and innovation through its use of the nCinoBank Operating System. Busey Bank implemented nCino across its Commercial line of business and later extended its use of the nCino platform into the Treasury Management Sales & Onboarding Solution.In this snapshot, discover how Busy Bank leveraged nCino to transition from manual, email-heavy processes to a single, streamlined, digital cloud-based platform, which also allows the institution to more easily scale via mergers and acquisitions.

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Thought Leadership

Beyond ChatGPT: Leveraging the Power of AI

Amazement. Excitement. Controversy. Fear.By now, you’ve probably heard of ChatGPT, the revolutionary artificial intelligence (AI) technology that has stunned the world in 2023. Perhaps you’ve even tried out the free version of this powerful tool to draft an email to your boss or write a poem about your pet.As exciting as generative AI applications like ChatGPT are, they’ve also triggered fear and uncertainty across many spheres, from education, where many school districts have banned students from using AI to write their term papers, to the financial services industry, where major banks like JPMorgan Chase, Bank of America and Wells Fargo have prohibited their employees from using AI for corporate communications, citing compliance concerns. Meanwhile, other financial institutions, such as Goldman Sachs, are experimenting with generative AI tools internally to help write and test code, which has some developers worried about their roles.While conversational AI tools like ChatGPT, Jasper and Google Bard have suddenly captured the public’s imagination, the underlying technology is not new. And it’s certainly not the only—or best—use case for generative AI in banking.

Beyond-ChatGPT

Ready to transform your institution?

Trusted by over 2,700 financial institutions, the nCino Platform will enhance strategic decision-making, risk management, and customer satisfaction at your institution. See our best-in-class intelligent solutions in action—request your free demo today.

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