Overview
nCino was established in 2012 by entrepreneurs and bankers who were dissatisfied with the time-consuming and inefficient commercial lending process. This team worked for Live Oak Bank and understood the requirement for a single comprehensive cloud-based platform that could help the bank to improve profitability, efficiency, and transparency, and ensure regulatory compliance. This void was filled by the nCino Bank Operating System which soon gained the interest of other financial institutions.
Today, over 250 financial institutions in several nations use nCino to digitize processes, resolve business challenges, and improve the customer experience through convenience and speed. The nCino Bank Operating System is a scalable, flexible, and user-friendly platform that facilitates a modern banking experience.
Benefits
nCino's Bank Operating System Solutions
Commercial Banking Solution
nCino's Commercial Banking Solution delivers smart automation to all corners of the financial institution. This single platform empowers institutions to manage all elements of the commercial banking procedure from account opening to on-boarding, to loan origination and sanctioning. Financial institutions can use this system for a range of commercial loans, including agriculture, CRE, C&I, and others.
SME Banking Solution
nCino's SME Banking Solution helps financial institutions to efficiently serve the needs of small to medium-sized enterprises. This cloud-based, secure platform merges the important steps in the deposit account opening, on-boarding, and lending procedure from online application to automated decisioning and underwriting, file preparation, closure, and e-signature.
Retail Banking Solution
nCino's Retail Banking Solution digitally improves retail banking to enhance how financial institutions engage with and serve small business and retail customers. It is a single mobile-optimized system for retail loan origination and account opening that permits bankers to interact with consumers in the branch and field, boosting customer loyalty and satisfaction.
Cash Management Sales and On-boarding Solution
This nCino software harnesses technology to minimize manual work and offer visibility to all stakeholders in each phase of the treasury procedure. From the preliminary sales to deployment and maintenance, this platform boosts customer satisfaction and empowers institutions to beat their commercial transaction objectives.
Customer Engagement Solution
nCino's Customer Engagement Solution helps financial institutions to build stronger customer relationships, exceed their expectations, and provide a consumer-centric digital experience via a single system. Customers get access to a sophisticated portal where they can apply for services and products, get 24/7 access to information on the status of their loans, and easily upload needed fund accounts and documentation.
Asset Finance and Leasing Solution
With this nCino product, lessors can swiftly originate deals, handle underwriting work, and collaborate with team mates without exiting the nCino Bank Operating System, thereby benefiting all users.
Product Features
- Commercial loan origination system
- Retail loan origination system
- Document manager
- Loan auto decision
- Proforma
- Deposit account opening
- Online applications
- Questionnaires
- Enterprise on-boarding
- Customer Relationship Management
- Customer portal
- Reports and dashboards
- SBA solution
- Compliance
- Credit analysis/spreads
- Syndications
- Credit memo
- Covenants
- Collateral management
- Commercial real estate analysis
- Agriculture lending
- Artificial intelligence
- Total exposure
- Snapshot
- Brand studio
- Construction loan administration
- Enterprise mobility
- Encryption
- Product package
- Forms
Pricing
nCino offers pricing information by quote. Contact the company directly to get a custom quote for your financial institution's needs.