# Powerful analytics enabling data-driven solutions

Identify, measure, and monitor loan, deposit, and application data to help your institution make efficient data-driven decisions, reduce risk, and meet regulatory and compliance requirements with nCino's Portfolio Analytics solution.

Identify, measure, and monitor data to help your institution make efficient data-driven decisions with our Portfolio Analytics solution.


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## An Analytics Platform That Delivers Intelligence and Effective Risk Management

nCino’s Portfolio Analytics Solution centralizes disparate data sources into an easy-to-use automated platform to identify areas of risk, uncover new growth opportunities, meet regulatory requirements, and drive efficiency.

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## Portfolio Management

The platform provides automated insights into a financial institution's portfolio performance, risk exposure, and profitability, while empowering proactive decision-making and increasing efficiency.

- **Loan Analytics** - Identify, measure, and monitor risks, opportunities, and profitability across the portfolio.
- **Deposit Analytics **– Review the deposit portfolio trended by product type, branches, maturity schedule, correlations, and more.
- **Application Analytics** - Easily analyze loan applications for approval rates, key performance metrics and 'what-if' scenarios.
- **Customer Analytics** - Link and filter a customer's various accounts for a holistic view to better understand customer relationships.

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## Regulatory Compliance

Stay confidently compliant with the latest CECL and Fair Lending regulations with the solution that enables financial institutions to pass regulatory exams with ease.

- **CECL** – Appropriately reserve for allowance and provide the required documentation and disclosures utilizing a robust set of expected loss models.
- **Fair Lending** – Ensure fair treatment of customers and avoid disparate impact with pricing discrimination, steering, redlining, and application denial analysis tools.

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## Advisory Services

Take analysis to the next level by partnering with the Advisory Services Team who will provide an expert, outside perspective, and help prepare for future analysis.

- **CECL Advisory Services** – Gain full confidence in CECL strategies and maintain regulatory compliance by partnering with a team of industry experts.
- **Fair Lending Training and Analysis** – Equip lending teams with regular fair lending training and receive a full analysis of potential pricing discrimination, steering, redlining or application denial issues across all portfolio segments.
- **Regulatory Exam Preparation** - Feel assured during regulatory exams with a full data analysis, review of policies and procedures, and remediation plans for identified gaps.
- **Portfolio Risk and Opportunity Analysi**s - Develop strategic plans for executive teams to better manage risk and identify growth opportunities for lending and deposit products.

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> nCino has allowed us to increase our commercial portfolio and I have no doubt we could not continue to grow without the tools they have provided us for portfolio management.
>
> — Kerri Schoolcraft, Spokane Teachers Credit Union

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