# nCino’s Credit Analysis Suite Seamlessly integrated into the commercial loan origination workflow, nCino's Spreads contains a suite of powerful credit analysis tools to produce faster, higher-quality decisions. nCino's Spreads contains a suite of powerful credit analysis tools to produce faster, higher-quality decisions. --- ## Reduce Risk, Grow Intelligently nCino’s Credit Analysis Suite creates a streamlined, consistent process for underwriters to analyze financial statements, identify major risks and trends, and ultimately provide a better customer experience. - Accelerate underwriting times with automated processes to book more loans faster. - Reduce re-keying of data across disparate systems with a single, intelligent platform. - Increase transparency, communication, and collaboration across teams with centralized spreading data. - Mitigate an institution’s risk with informed and thorough credit analysis. - Improve the customer experience with timely and accurate credit decisions. --- ## From Complexity to Efficiency With nCino’s Credit Analysis Suite, financial institutions can streamline and accelerate the underwriting process with automation and quickly determine a customer’s creditworthiness to book loans faster. --- ## Quality Credit Decisions with Speed Underwriters can easily analyze and forecast future cash flows with speed and accuracy for both C&I and CRE loans, while mitigating risk and streamlining documentation. - Easily create a credit memo by automatically pulling the most up-to-date information stored on the nCino platform into a template customized for your FI. ** ** - Capture the additional level of detail behind a line item on a financial statement with nCino’s Schedules to provide a more thorough analysis. - Import debts within nCino allowing underwriters to quickly analyze all debt obligations for a borrower and make fast decisions while easily navigating between Debt Schedules and Spreads periods. - Promote the safety and soundness of loan portfolios with user-defined risk ratings that help underwriters assess credit quality, monitor problem loans, and manage risk levels over the life of a loan. - Calculate risk grades using the calculation worksheet’s weighted formulas and manage requests with an approval process that increases transparency and reduces an institution’s risk. - Track collateral and the loans to which they’re secured, lien positions, and associated market rates with nCino’s comprehensive Collateral Management tool. --- ## Credit Analysis In Action ### Automated Spreading nCino's Automated Spreading Solution reduces the time it takes to spread financials, enabling portfolio growth by improving the speed and quality of credit decisions. [Learn more](/solutions/automated-spreading) ### Commercial Pricing & Profitability Powered by nIQ, nCino's Commercial Pricing & Profitability helps your financial institution optimize pricing and profitability, while strategically deploying capital. [Learn more](/solutions/commercial-pricing-profitability) ### Commercial Real Estate Analysis With nCino, you can efficiently and proactively originate, analyze, and monitor Commercial Real Estate \(CRE\) loans. [Learn more](/solutions/commercial-real-estate) ### Commercial Lending Equip your institution with a streamlined application and origination process to accelerate revenue growth, improve operational efficiency, effectively manage risk, and deliver exceptional customer experiences with our Commercial Loan Origination System. [Learn more](/solutions/commercial-lending) --- > The automation we get from nCino will be impact enough, but the bigger picture is having all parties work a loan from inception to finish in one place. > > — Annemarie Murphy, SBA Chief Operations Officer at United Community Bank --- [View sitemap](https://www.ncino.com/api/markdown/sitemap)