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nCino Commercial Banking Solution from nCino
Cloud-based, end-to-end platform for commercial lending that digitizes and automates the entire loan lifecycle. Features include customer onboarding, document management, workflow automation, credit analysis, risk rating, collateral management, e-signatures, and portfolio analytics.
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Corporate Lending Systems for Corporate Banking
Platforms for managing the entire corporate loan lifecycle from origination to servicing and collection.
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Loan Origination
(11 Yes /11 Known /12 Possible features)
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Automated Application Processing Ability to accept and process loan applications electronically. |
nCino digitizes and automates the entire loan lifecycle, including application processing. | |
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KYC/AML Integration Automatic customer verification and anti-money laundering screening during origination. |
KYC/AML integration is a standard for commercial onboarding; nCino documentation and demos mention automated KYC/AML screening. | |
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Credit Scoring Engine System includes automated tools to assess client creditworthiness. |
Credit analysis and risk rating engines are part of the nCino platform. | |
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Document Management Electronic storage and management of supporting loan documents. |
nCino supports document management throughout the loan lifecycle. | |
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Workflow Automation Automated routing of applications for approvals and compliance checks. |
Workflow automation is a core feature highlighted in nCino product overview and documentation. | |
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Multiple Product Support Support for multiple loan types (term loans, revolving credit, etc.) in a unified workflow. |
nCino supports multiple product types (term loans, revolvers, etc.) within a unified workflow. | |
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Real-time Status Tracking Applicants and internal users can track loan application status in real-time. |
Real-time status tracking is part of the applicant and banker portal capabilities. | |
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Bulk Applications Support for processing multiple loan requests concurrently. |
nCino supports batch/bulk application processing for commercial lenders. | |
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Multi-stage Approval Configurable steps and participants in the origination process. |
Configurable multi-stage approval workflows are supported and configurable. | |
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Turnaround Time Average time to process a new loan application from start to decision. |
No information available | |
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Application Data Reuse Reuse of customer data across multiple applications. |
Application data reuse is a supported feature in customer onboarding and loan origination in nCino. | |
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E-signature Support Ability for applicants and approvers to sign electronic documents. |
nCino platform provides e-signature capabilities as a standard feature. |
Credit Assessment & Risk Management
(11 Yes /11 Known /12 Possible features)
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Automated Credit Analysis System performs automated financial and risk assessments on corporate clients. |
Credit/risk analysis is automated for corporate clients using nCino. | |
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Portfolio Risk Aggregation Aggregates and analyzes risk exposure across all loans in the portfolio. |
nCino can aggregate and analyze risk exposure across portfolios. | |
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Custom Risk Models Ability to configure and deploy custom risk and scoring models. |
Custom risk models can be configured within nCino according to documentation. | |
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Limit Management Set, monitor, and enforce exposure limits by client and portfolio. |
Exposure limit setting, monitoring and enforcement is available. | |
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Stress Testing Simulate impact of adverse scenarios on portfolio risk. |
nCino includes support for stress testing of portfolios. | |
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Collateral Management Track, value, and monitor collateral pledged against loans. |
Collateral management (track, value, monitor) is specifically listed as a feature. | |
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Early Warning Indicators System generates alerts for deteriorating risk profiles. |
Early warning indicators/alerts for deteriorating risk/covenant breaches are features of nCino risk management. | |
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Concentration Risk Analytics Tools to monitor concentration by sector, geography, or borrower. |
Concentration analytics (sector, geo, borrower) are included in portfolio analytics. | |
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Automated Financial Spreading Automation of financial statement data extraction and analysis. |
Automated financial spreading is available (AI/extraction from financial statements). | |
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Credit Review Frequency Number of automatic credit reviews triggered annually per exposure. |
No information available | |
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Third-party Data Integration Links to external data sources for company ratings, news, or regulatory data. |
Integrates with bureaus, rating services, and external data feeds. | |
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Risk Reporting Real-time reporting and dashboards on risk levels and metrics. |
Risk dashboards and real-time reporting modules are part of nCino. |
Loan Administration & Servicing
(11 Yes /11 Known /12 Possible features)
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Repayment Schedule Management Automated calculation and enforcement of repayment schedules. |
Repayment schedules (automated) are managed in loan administration. | |
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Automated Interest Calculations System auto-calculates interest due, compounding, and adjustments. |
Automated interest calculation is core to loan servicing in nCino. | |
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Flexible Payment Structures Support for bullet, amortizing, step-up/down, or custom schedules. |
Flexible payment structures are configurable for various loan products. | |
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Fee Management Configuration and automation for origination, servicing, and penalty fees. |
Fee management (including setup and automation) is supported. | |
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Automated Payment Processing Automatic posting of repayments from clients’ accounts. |
Payment processing is automated; connects to payment rails. | |
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Payment Allocation Rules Flexible, rules-based allocation of repayments to principal, interest, and fees. |
Payment allocation rules for interest/principal/fees are configurable. | |
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Loan Modification Support Capability to restructure loans due to covenant breaches or renegotiations. |
Loan modification and restructuring is available for breached/negotiated loans. | |
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Delinquency Management Automated tracking and alerts for overdue payments. |
Delinquency management and alerts are part of loan servicing. | |
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Prepayment Processing Automated recalculation if borrowers pay early. |
Prepayment recalculation/processing is standard in nCino. | |
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Account Statements Generation and distribution of periodic account statements. |
Automated generation and distribution of account statements present. | |
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Servicing SLA Target turnaround time for standard servicing tasks. |
No information available | |
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Multi-currency Support Ability to administer loans in multiple currencies. |
nCino supports multi-currency loan administration. |
Covenant & Compliance Monitoring
(11 Yes /11 Known /12 Possible features)
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Covenant Definition & Tracking Configurable management and monitoring of financial and non-financial covenants. |
Covenant definition and tracking are described in the product's compliance tools. | |
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Automated Covenant Testing System routinely tests borrower performance against set covenants. |
Automated covenant testing is a feature for both financial and non-financial covenants. | |
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Real-time Alerts Immediate notification of breaches or potential breaches. |
Real-time alerts about covenant breaches and status. | |
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Regulatory Compliance Checks Assesses and tracks compliance with banking regulations. |
Regulatory compliance checks are integrated in onboarding and ongoing monitoring. | |
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Audit Trail Comprehensive logging of changes and monitoring activity. |
Audit trail for all loan/customer/covenant changes and activities. | |
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User-defined Covenant Triggers Custom triggers for specific client or loan requirements. |
Custom/user-defined covenant triggers are supported. | |
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Exception Tracking System captures, tracks, and reports covenant breaches or waivers. |
Exception tracking for covenant and risk events is built in. | |
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Automated Remediation Workflows Initiates workflows for breach remediation or escalation. |
Automated remediation workflows for breaches in covenants/compliance. | |
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Compliance Testing Frequency How often automated compliance checks are performed. |
No information available | |
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Regulatory Reporting Integration Direct integration with required regulatory reporting systems. |
Regulatory reporting integration exists, including automated data transfer to regulatory report templates. | |
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Covenant Document Repository Centralized repository for all covenant and compliance documentation. |
Document repository for covenants/compliance/legal documents is available via DMS. | |
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Multi-standard Support Supports diverse compliance regimes (IFRS, Basel, local requirements). |
nCino supports multiple regulatory standards (Basel, IFRS, local adaptions). |
Collateral & Security Management
(11 Yes /11 Known /12 Possible features)
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Collateral Register Central system for registering and describing all collateral types. |
Centralized collateral register is available. | |
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Automated Collateral Valuation Periodic automatic valuation of pledged assets. |
Automated and periodic collateral valuation processes are part of the app's features. | |
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Lien Tracking Records and tracks legal claims on collateral. |
Lien tracking on collateral is present for compliance and legal tracking. | |
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Collateral Shortfall Alerts Alerts if collateral coverage falls below required thresholds. |
Collateral shortfall alerts triggered if coverage thresholds are breached. | |
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Revaluation Frequency Frequency of automated collateral revaluation. |
No information available | |
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Third-party Valuation Integration Links to external collateral appraisers or valuation data. |
Third-party appraiser/valuation data integration enabled through API. | |
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Margin Call Automation Automatically generates and communicates margin calls. |
Margin call automation is available for asset-based/collateralized loans. | |
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Collateral Release Workflow Automated process for collateral release on loan repayment or upon agreed events. |
Automated collateral release workflows are standard when loans are paid off. | |
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Concentration Monitoring Monitors concentration of certain collateral types or issuers. |
Collateral concentration monitoring is present in risk analytics. | |
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Deficiency Coverage Calculation Monitors whether current collateral covers outstanding exposure. |
Exposure/deficiency coverage calculation for collateral is included. | |
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Legal Documentation Management Electronic repository for legal agreements and registration evidence. |
Legal document management repositories are included. | |
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Multi-currency Collateral Support Ability to track collateral valued in different currencies. |
Multi-currency collateral support is available. |
Pricing, Fees, and Product Configuration
(11 Yes /11 Known /12 Possible features)
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Rule-based Pricing Engines Configurable pricing models for different loan products and segments. |
Configurable rule-based pricing is present. | |
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Multi-tier Fee Structures Ability to support tiered and negotiated fees. |
Multi-tier fee structures are fully supported. | |
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Automated Fee Calculation Calculation and application of applicable fees. |
Automatic calculation/application of all fees. | |
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Dynamic Pricing Capabilities Pricing can automatically change based on market or risk conditions. |
Dynamic pricing capabilities exist to accommodate risk/market changes. | |
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Interest Rate Type Support Support for fixed, floating, and hybrid interest rate loans. |
Interest rate type support (fixed, floating, hybrid) is available. | |
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Benchmark Rate Integration Automatic reference to external rate indexes (LIBOR, SOFR, etc). |
Integration with external rate benchmarks (e.g., SOFR, LIBOR) for loans. | |
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Fee Collection Automation Automatic deduction of fees from disbursement or repayments. |
Fee collection is automatically deducted during disbursement or payments. | |
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Custom Product Variant Creation Ability to create and manage custom product definitions. |
Custom product variant creation for lenders and segments. | |
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Volume Pricing Support Automated pricing adjustments based on portfolio or client volume. |
Volume-based pricing and adjustments supported. | |
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Product Catalog Management Centralized repository and management for all loan product variants. |
Central product catalog for all loan variants supported. | |
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Minimum/Maximum Pricing Guardrails System-enforced minimums and maximums for pricing inputs. |
Minimum/maximum pricing guardrails can be configured. | |
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Pricing Approval SLAs Maximum time for pricing approval workflow completion. |
No information available |
Customer & Relationship Management
(11 Yes /11 Known /12 Possible features)
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360-degree Client View Comprehensive, real-time summary of all client exposures and touchpoints. |
360-degree client view is a hallmark feature (all accounts, relationships, products). | |
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Contact & Relationship Hierarchies Support for complex client and group structures, including subsidiaries and parent entities. |
Support for group/relationship hierarchies (parents, subs, etc.). | |
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Interaction Tracking Logs and manages all client communications and meetings. |
Interaction tracking (calls, meetings, communication logs) available. | |
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Loan History Access Instant access to complete loan, transaction, and document history. |
Full loan and transaction history is accessible in the system. | |
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CRM Integration Connectivity to external CRM systems (Salesforce, Microsoft Dynamics, etc). |
Integration available for Salesforce (and others) as nCino originally built on Salesforce. | |
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Client Risk Profile Tracking Monitors and displays real-time risk indicators for each client. |
Client risk profile tracking is part of analytics and dashboards. | |
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Customer Data Update Tracking Audit trail on all client data changes. |
Audit trails on client data are standard (compliance/audit requirements). | |
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Automated Contact Reminders Automated follow-ups or notification workflows for relationship managers. |
Automated reminder/follow-up capability for client managers. | |
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Document Upload and Sharing Clients and staff can upload and access shared documents securely. |
Secure document upload/sharing for clients, RMs and teams. | |
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Client Segmentation Ability to segment and target clients based on defined criteria. |
Client segmentation for campaigns and portfolio management is supported. | |
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Client Onboarding SLA Average onboarding time from application to activation. |
No information available | |
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Self-service Portal Customer access to view status, download documents, and submit requests. |
Self-service portal for commercial clients (status, statements, docs) is a part of offering. |
Reporting & Analytics
(11 Yes /11 Known /12 Possible features)
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Ad-hoc Report Builder User-friendly interface to build custom reports. |
Ad-hoc/custom report tool (report builder) part of nCino Analytics. | |
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Scheduled Reporting Automated scheduling and distribution of standard and regulatory reports. |
Scheduled and automated report distribution is available. | |
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Portfolio Performance Dashboards Visual dashboards for real-time KPIs and metrics. |
Portfolio dashboards (KPIs, metrics) are a key selling point. | |
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Data Export Support Export data in common file formats (CSV, Excel, PDF). |
Data export (CSV, Excel, PDF) is available in nCino reporting modules. | |
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Regulatory Reporting Templates Pre-built templates for regulatory submission requirements. |
Regulatory reporting template library is available and can be customized. | |
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Exception and Outlier Analytics Automated highlighting of transactions or exposures outside normal parameters. |
Exception and outlier analytics part of monitoring tools. | |
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Trend Analysis Tools Tools for analyzing portfolio and client-level trends. |
Trend analysis tools are part of reporting and analytics offering. | |
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Automated Data Reconciliation System auto-matches and reconciles reporting data with source systems. |
Automated data reconciliation with source systems supported. | |
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Interactive Visualization Support for interactive graphical analysis (charts, heat maps, etc). |
Interactive visualization—charts, maps—can be built in business intelligence modules. | |
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Report Generation Speed Average time to generate standard reports. |
No information available | |
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User Security on Reports Role-based access controls for sensitive report viewing. |
Role-based access controls for all reporting modules. | |
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Integration with BI Tools Native or API-based connectivity to external business intelligence tools. |
Native and API integrations to major BI tools are offered. |
Integration & Interoperability
(11 Yes /11 Known /12 Possible features)
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Open API Framework Comprehensive suite of documented, secure APIs for connectivity. |
Open API framework is available and documented on developer portal. | |
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Core Banking Integration Real-time or batch connectivity to core banking and accounting systems. |
Core banking integration (real-time or batch) is part of the platform. | |
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Third-party Data Feeds Consume data from market data providers, credit bureaus, etc. |
Third-party data (credit bureaus, market feeds) integration is available. | |
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Syndicated Loan System Integration Supports data exchange with loan agency and syndication platforms. |
Syndicated loan system integration APIs are available. | |
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Bulk Data Import/Export Support for efficient, large-scale data import and export. |
Bulk import/export for large scale onboarding, migration, or periodic uploads is supported. | |
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Real-time Webhooks System issues real-time notifications of key events to external systems. |
Webhooks for real-time event notifications are present. | |
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Batch Processing Time Duration required to process a standard data integration batch. |
No information available | |
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Out-of-the-box ERP Integration Connectors for SAP, Oracle, or similar ERP systems. |
Out-of-the-box ERP integrations (SAP, Oracle) are supported. | |
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Digital Bank Connectivity Direct digital channels for customer self-service integration. |
Direct digital bank connectivity (for client self-service and integrations) offered. | |
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Integration Monitoring Tools Dashboard and alerting for data integration status and failures. |
Integration monitoring/dashboard tools to track job status/errors. | |
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SSO with Identity Providers Single sign-on with enterprise identity solutions. |
Support SSO with SAML/OAuth2 enterprise identity providers. | |
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Data Transformation Support Rules for mapping and transforming incoming and outgoing data. |
Data transformation/mapping for integration (ETL tools within suite). |
Security & Access Control
(10 Yes /10 Known /12 Possible features)
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Role-Based Access Controls (RBAC) Granular access permissions configurable by user roles. |
Role-based access controls (RBAC) throughout nCino application. | |
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Multi-factor Authentication Users must authenticate using more than one factor (e.g., password + OTP). |
Multi-factor authentication supported (password + OTP). | |
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Data Encryption in Transit All data exchanged between systems is encrypted during transmission. |
Data encryption in transit using TLS and industry standards. | |
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Data Encryption at Rest Sensitive data in storage is encrypted. |
Sensitive data at rest is encrypted, as per typical SaaS banking requirements. | |
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Audit Logging All significant system and user actions are logged for review. |
Audit logs for all significant user/system actions are maintained. | |
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Privilege Escalation Controls Processes for temporary or emergency access escalation are tightly controlled. |
Privilege escalation controls exist for operational security management. | |
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User Access Audit Frequency Number of system-automated access reviews per year. |
No information available | |
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IP Whitelisting Restrict access to the system from defined IP address ranges. |
Administrators can define IP whitelists to control access. | |
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Session Timeout Settings Configurable timeout for inactive user sessions. |
Session timeout settings configurable by organization policy. | |
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Data Masking Sensitive data is masked in the UI for users without full privileges. |
Data masking for PII/sensitive fields is supported in role-based UI. | |
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Intrusion Detection Integration Connectivity to bank’s intrusion and anomaly detection services. |
Integration possible with third-party intrusion detection via connectors. | |
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Disaster Recovery RTO Target maximum Recovery Time Objective for disaster recovery. |
No information available |
Usability & User Experience
(11 Yes /11 Known /12 Possible features)
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Responsive UI Design Interface is user-friendly and adapts to various device screens. |
Responsive UI is a hallmark (adapts to all common browser/device formats). | |
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Configurable Dashboards Personalized landing pages and widgets. |
Configurable dashboards and personalized widgets available for different users. | |
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Search & Filter Tools Advanced search and filter across all customer and transaction records. |
Advanced search and filter is provided for all core records. | |
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Bulk Action Support Users can perform actions on multiple records simultaneously. |
Bulk action support (for record updates, approvals, etc) is available. | |
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Accessible UI Compliance with accessibility standards (WCAG, Section 508). |
UI is designed to meet accessibility standards—see Salesforce foundation. | |
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Localization Support System can be translated into multiple languages. |
Localization for multiple languages as required in global banking. | |
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User Onboarding Wizards Step-by-step helpers for new user setup. |
Step-by-step onboarding/user wizards are included. | |
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Performance Metrics Average page load speed for core workflow screens. |
No information available | |
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In-app Help & Tutorials Contextual support and guides embedded in the system. |
In-app contextual help/tutorials and robust online documentation. | |
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Customizable Menus Users can rearrange and prioritize menu items and shortcuts. |
Users can customize menus to pin/rearrange features as needed. | |
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Notification Preferences Users can configure alert and notification settings. |
Notification and alert preferences are configurable by user. | |
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Mobile Device Access Core workflows are usable from mobile devices and tablets. |
Mobile device access (browser, app) for bankers and clients. |
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