# 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. With nCino Commercial Lending, you gain a cost-effective and intelligent solution that grows alongside your institution and adapts to changes in the market. --- ## The Proven Commercial Loan Origination System Intelligently handle every commercial client, even the most complex, with specialized workflows that are purpose-built for specific banking use cases – from CRE to corporate lending. - 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, generative, and agentic AI. - Utilizes real-time reporting for better portfolio management. - Maximizes performance, productivity, and profitability across commercial lending teams. --- ## WaFd Bank’s Success with nCino Discover how nCino's intelligent technology enabled WaFd Bank to improve customer experiences, drive an increase in loan volume, and quickly adapt to serve new customers. [Download the WaFd Case Study](https://assets.ctfassets.net/ze344jjyx19q/7xk4DxxEoSugzfD9NiGRXM/f68e7e9b93b509d83f18540ed85f14a2/nCino_Case_Study_WaFd.pdf) --- ## Commercial Lending Stats - **133% year over year loan growth. A US Farm Credit Institution was able to scale operations and volume. ** - **8 systems eliminated. A US Community Bank was able to consolidate every step of the credit lifecycle to operate on nCino. ** - **88% decrease in application time. An EMEA institution was able to get clients to yes faster, more efficiently. ** _Customer opinion only. The results described reflect the experience of three, unique nCino customers and are specific to each customer's circumstances. Individual outcomes vary based on a range of factors, and these results may not be representative of, or typical for, the outcomes achieved by other nCino customers._ --- ## Keep Your FI Moving Forward with a Dual Workforce Embedded intelligence handles the heavy lifting and works in tandem with bankers who focus on judgment, relationships, and growth. - **Service Digital Partner:** Kickstart deal creation with chat assistance and get one unified workflow across multiple deals. - [**Analyst Digital Partner**](https://www.ncino.com/digital-partners?utm_source=google&utm_medium=cpc&utm_campaign=24093293677&utm_adgroup=199137705295&device=c&utm_term=ncino%20digital%20partners&matchtype=e&creative=818950015102&network=g&_bt=818950015102&_bk=ncino%20digital%20partners&_bm=e&_bn=g&_bg=199137705295&gad_source=1&gad_campaignid=24093293677&gbraid=0AAAAADt42K8ZnvMQcANJVyPtO0SYKfvqx&gclid=EAIaIQobChMIjJPWiYPVlgMVBi3UAR0GUCUJEAAYASAAEgK3sfD_BwE)**:** Automate financial spreading, accelerate credit analysis, and proactively monitor portfolio health so teams can spend less time on data and more time on decisions. - **Executive Digital Partner: **Surface risk, identify trends, and stress test to quickly understand portfolio health and make smart decisions. --- ## 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. --- ## Real-Time Monitoring of Your Relationships and Portfolio Go beyond origination and manage what happens after the deal. Keep spreads, covenants, and risk signals current, while leveraging early warning signals that point your team at exposures that need attention. [Learn more ](/continuous-credit-monitoring) --- ## Solutions Built to Power and Evolve Your Financial Institution ### Automated Spreading AI-powered extraction of financial statement data across multiple entities and structures, reducing spreading time by up to 86% and freeing analysts to focus on credit quality. [Explore Automated Spreading](/solutions/automated-spreading) ### Continuous Credit Monitoring Gain real-time, data-driven insights for proactive risk monitoring while automating management processes. [Learn More](/continuous-credit-monitoring) ### Credit Portfolio Management Simplifying onboarding is key to growth. nCino offers tailored, efficient, and client-focused solutions to meet the challenges financial institutions face in managing complex processes. [Explore More](/solutions/credit-portfolio-management) --- [View sitemap](https://www.ncino.com/api/markdown/sitemap)