nCino

nCino provides cloud software that banks, credit unions and other financial institutions use to originate loans and onboard clients. Separate solutions cover commercial, small business and consumer lending, mortgage, commercial onboarding and deposit account opening, each running loan applications, credit analysis, approvals and document collection in a single workflow. Portfolio and operations analytics help institutions monitor credit risk and process performance. The platform adds generative AI assistants, automated financial spreading, continuous credit monitoring and role-based AI agents that take on repetitive tasks so bankers can focus on judgment and client relationships. nCino was founded in Wilmington, North Carolina, and sells to institutions ranging from community banks to large enterprises.