nCino Bank Operating System

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Overview

As a secure cloud-based solution, the nCino Bank Operating System empowers bank employees and leaders with true insight into the bank through an end-to-end platform that spans business lines and combines customer relationship management (CRM), customer onboarding, account opening, loan origination, deposit accounts, workflow, credit analysis, enterprise content management and instant reporting capabilities. nCino integrates with a financial instituions core and transactional systems, while replacing point solutions and manual-based processes. Designed by bankers who understand how financial institutions operate, nCino delivers ROI by:

  • Driving revenue growth and efficiency
  • Expanding customer relationships
  • Improving regulatory compliance
  • Enabling data analytics and business intelligence
  • Attracting and retaining top talent
  • Delivering a true competitive advantage

Key Features

nCino's comprehensive features and functionality increase a bank's profitability and productivity while enhancing customer relationships and ensuring regulatory compliance. nCino's Bank Operating System facilitates a seamless interaction between employees and customers that works effortlessly across business lines and departments, providing bankers with a single, efficient way to digitally operate their institution.

  • Commercial Banking Solution

    Customers expect a high level of personal service across their financial institution, yet many institutions struggle to keep up. Multiple business lines engage with the same customer using disparate technologies that don't communicate or integrate, leading to duplicate data entry and inefficient processes. nCino's Commercial Banking Solution drives intelligent automation into every corner of the financial institution. Through a single platform, institutions have the power to manage all aspects of the commercial banking process from onboarding to account opening, to loan origination and approval. Financial institutions can use nCino for a variety of commercial loans, such as C&I, CRE, Agriculture, etc. From start to finish, nCino makes it easy for institutions to provide the level of personal service customers expect while generating more loans, reducing costs and ultimately driving more revenue for the bank.

  • Small Business Banking Solution

    Small businesses are a fundamental part of the U.S. economy. While the ability to borrow capital is essential to the growth of these businesses, small business loans often take the same amount of time to originate and maintain as complex commercial loans do. Small businesses also expect a high-tech, digital banking experience. nCino's Small Business Banking Solution enables financial institutions to leverage technology to overcome the challenges of serving small businesses. With a single, secure, cloud-based platform, nCino unites key steps in the onboarding, account opening and lending process from online application through underwriting and automated decisioning, document preparation, closing and e-signature. Institutions can mitigate risk, reduce time to fund (from weeks to days, hours and minutes) and create an exceptional customer experience leading to lasting and profitable relationships.

  • Retail Banking Solution

    The regulatory environment, financial service channels and customer behaviors and expectations are continually evolving. nCino's Retail Banking Solution digitally transforms retail banking to improve how financial institutions interact with and serve retail and small business customers. nCino provides institutions with a single mobile-enabled platform for account opening and retail loan origination that allows bankers to engage with customers in the branch and out in the field, increasing customer satisfaction and loyalty. Through an intelligent and powerful cloud-based solution that optimizes business processes, institutions and their customers interact on the same platform. Institutions can quickly respond to opportunities and regulatory changes as well as increase wallet share.

  • Treasury Management Sales & Onboarding Solution

    In today's transaction banking environment, differentiation in treasury management product and service delivery is a key factor in delivering value. Treasury Management services offer financial institutions an opportunity to serve the entire commercial relationship and increase non-interest income. By streamlining the treasury process through automation, institutions can effectively engage the customer and gain a competitive advantage. nCino's Treasury Management Sales and Onboarding Solution leverages technology to reduce manual tasks and provide visibility to every stakeholder at each stage of the treasury process. From the initial sale through implementation and maintenance, the solution increases customer satisfaction and enables institutions to exceed their complex commercial transaction goals.

  • Customer Engagement Solution

    In the past, banks interacted with customers and prospects in a limited number of ways. However, in today's fast-paced, digitally-connected world, banks must be prepared to interact with anyone, anywhere and at any time. nCino's Customer Engagement Solution enables financial institutions to exceed customer expectations, build stronger relationships and deliver a customer-centric digital experience through a single platform. Customers can access a state-of-the-art portal that gives them a digital channel to apply for products and services, a 24/7 gateway to information regarding the status of their loans and the ability to easily upload required documentation and fund accounts. nCino marries innovative technology with powerful capabilities, allowing financial institutions to successfully engage with customers in a way that is seamless, modern and transparent.

  • Asset Finance & Leasing Solution

    In the asset finance and leasing landscape, accurately delivering a competitive offering to foster customer trust and efficient business operations is essential to success. System reduction and, therefore, increased speed is paramount to provide a satisfying, customer-centric experience while streamlining the lessor's workflow. With nCino's Asset Finance and Leasing Solution, lessors can rapidly originate deals, manage underwriting tasks and collaborate with team members without leaving the nCino Bank Operating System, benefiting all parties.

  • Enterprise Onboarding

    nCino's Enterprise Onboarding workflow provides a step-by-step, customizable process for adding new commercial and retail customers to the nCino Bank Operating System. Within the onboarding workflow, financial institutions can gather the regulatory-mandated requirements to verify identities based on legal entity type. Customer Identification Program (CIP) and Know Your Customer (KYC) requirements can be embedded into the onboarding workflow so that institutions can easily configure the requirements to match their business processes.

Key Benefits

nCino enables financial institutions to operate more efficiently, while also delivering greater shareholder value and exceeding customer expectations.

  • Profitability
    Through increased deposit and loan volumes, reductions in loan closing times, and freeing up employees to focus on relationship-building and revenue-generating activities, nCino gives banks a true competitive advantage. nCino helps institutions achieve:
    • 17 percent reduction in operating costs
    • 19 percent increase in revenue
    • Stronger customer relationships
    • Greater competitive advantage
  • Efficiency
    nCino drives increased efficiency by removing duplicate data entry, eliminating paper files and increasing transparency and collaboration among employees and other bank stakeholders.
    • Increases accountability
    • Reduces regulatory prep time
    • 22% increase in staff efficiency
    • Reduces loan cycle times
  • Safety and Soundness
    nCino acts as a risk mitigator and early warning system through reductions in policy exceptions, loan loss provisions, regulatory exam preparation, as well as through increasing operating transparency at all organizational levels and across all lines of business.
    • Reduces regulatory disruption
    • Monitoring tools reduce risk
    • Detailed and in-depth reporting tools
    • Ensures regulatory compliance
  • Digital Engagement
    nCino provides digital engagement between the banker and the customer through a single, cloud-based platform. The Bank Operating System can be accessed anytime, anywhere, from any device, providing a seamless experience for all users.
    • Increases customer engagement
    • Enhances communication
    • Increases cross- and up-sell opportunities
    • Personalizes each customer's experience
  • Data Analytics
    Cino integrates with core and point systems within a financial institution, centralizing data and providing detailed dashboards and reporting. Delivering data intelligence across all business lines with easy-to-view pipeline analytics, nCino is the single source for executives to view and manage bank operations.
    • Create meaningful real-time reports
    • Monitor and analyze performance across the bank
    • Leverage AI and machine learning for institution and customer insights
    • Reduce regulatory prep time and enhances compliance
  • Simplicity
    Through ease of integration that does not disrupt the bank or affect the core, nCino consolidates multiple banking systems into one platform and delivers an intuitive software interface for the way in which today's banks operate.
    • Quick view dashboard
    • Core independent
    • Consolidates data services
    • Industry-leading implementation times