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.
Automated Spreading, Powered by nCino IQ
Reduce the time it takes to spread financials and enable portfolio growth by improving the speed and quality of credit decisions with nCino's Automated Spreading Solution.
Accelerate Spreading with Intelligent Automation
With nCino’s Automated Spreading Solution, reduce the time it takes to spread financial statements and tax returns, while improving spreading consistency and 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’s Automated Spreading Solution 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
Banking Advisor
nCino is redefining efficiency gains in banking with nCino Banking Advisor, powered by nIQ. Banking Advisor is a banking focused, Generative AI solution designed to deliver intelligence in the moments that matter most.
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.
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.
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.
Community Financial Institutions
Future-proof your institution with a modern lending experience while managing risk, growing relationships, increasing efficiency and reducing costs with nCino’s Commercial Lending Solution for Community Financial Institutions.
See a Demo
See nCino in action and learn how the pioneer in cloud banking can help transform your financial institution.
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