Retail Lending for the Digital Age

nCino's Retail Loan Origination System

Upgrade to a Lending Experience Driven by Simplicity, Efficiency and Speed

Dramatically decrease loan cycle times
Reduce risk and regulatory exposure
90% increase in productivity by eliminating manual document creation
Quick, frictionless and personalized customer journey

For consumers, applying and getting approved for loans has long been considered tedious and outdated, especially given modern technological capabilities. In order to succeed in today's digitally-forward consumer environment, financial institutions need the best technology to meet customers where they are and exceed their expectations. nCino's Retail Loan Origination System (LOS) provides a fully digital, end-to-end loan solution with automated workflows, streamlined customer onboarding, paperless document management and a 360-degree view of the customer on a single platform. Consumers can apply for retail loans anytime, anywhere and on any device. nCino's LOS offers a truly digital and competitive advantage in today's banking landscape. Financial institutions can now provide a delightful experience that is fast, simple and convenient, leading to increased loan growth and enhanced customer experiences. Make tedious retail lending a thing of the past with nCino.

A Single Platform That Changes the Retail Lending Landscape

Screen of the nCino Bank Operating System
Online Applications

Financial institutions can establish and configure applications embedded with questionnaires for KYC and CDD information to be completed by customers and/or employees.

Automated Decisioning

A highly-adaptive solution for running loan analyses using customer, business and third-party data to instantly generate pre-qualified loan decisions for HELOC, auto, unsecured and other term loans.

Customer Management Relationship

Robust platform with the ability to capture web leads, track an applicant's progress and increase cross- and up-sell opportunities.

Customer Portal

A customer-facing solution where bankers and customers can interact directly and view the status of a loan in a single, secure digital space.

Enterprise Onboarding

Users can move more quickly, with fewer clicks, to efficiently onboard new customers while collecting KYC and CDD information for database storage.

Compliance

nCino's Bank Operating System provides tools and integrations for financial institutions to fulfill regulatory compliance policies as well as global and local regulations.

Document Management

A configurable, integrated document repository with instant access to any of your institution's documents.

Integrations

Services include: automated booking, credit reporting, collateral management, flood services, document preparation, e-signature, identity verification and vehicle valuation.

"With nCino, we are able to bring the idea of greater simplicity into the lending process. We're closing loans more quickly and efficiently than before and collaborating across our banking offices in a way that was not possible. Because our bankers are empowered with greater transparency in the loan process, we can eliminate some back and forth with customers, and ultimately improve turnaround time."
Jonathan N. Krieps, Chief Operations Officer, North State Bank

Schedule Your Demo

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