{"version":"0.36.0","built_at":"2026-10-24T14:07:34.793Z","license":"CC BY 4.0 © Mike Reams","canonical":"https://catalog.mikereams.com","product":{"id":"PR-590","name":"nCino","vendor":"nCino, Inc.","category":"Loan origination and bank onboarding","description":"A cloud platform for banks and credit unions that runs commercial, small business, consumer and mortgage loan origination, credit analysis, client onboarding and deposit account opening, then monitors the loan portfolio. Much of it is built on the Salesforce Platform and sold as multi-year subscriptions; the core ledger stays elsewhere.","website":"https://www.ncino.com","license_model":"subscription","deployment":["saas"],"aliases":["nCino Bank Operating System","nCino Platform"],"csdm_note":"One Business Application for nCino with Application Services per environment; because it runs in a Salesforce org, record that org as a dependency. The core banking system it books loans and accounts into stays its own record.","sources":[{"url":"https://ncino.com/platform","title":"nCino: Onboard Faster, Lend Smarter, Serve Better"},{"url":"https://www.ncino.com/solutions/credit-analysis","title":"nCino’s Credit Analysis Suite"},{"url":"https://www.sec.gov/Archives/edgar/data/1902733/000190273323000024/ncno-20230131.htm","title":"nCino, Inc. - Form 10-K - FY2023"}],"as_of":"2026-10-24","product_capabilities":[{"id":"PC-590.10","name":"Commercial and Small Business Lending","description":"Takes a business loan from application through underwriting, approval, documents and closing to booking, with the deal team and credit officers working one shared file.","business_capability_ids":["BC-1720.10.20","BC-1720.10.30","BC-1720.10.40","BC-1720.20.40"],"maturity":"core","confidence":"medium","business_capabilities":[{"id":"BC-1720.10.20","name":"Loan Application Intake"},{"id":"BC-1720.10.30","name":"Loan Documentation & Closing"},{"id":"BC-1720.10.40","name":"Loan Funding & Disbursement"},{"id":"BC-1720.20.40","name":"Credit Approval Authority"}]},{"id":"PC-590.20","name":"Credit Analysis Suite","description":"Turns a business borrower's financial statements and existing debts into a financial analysis and a risk grade, packaged as the credit memo that approvers sign off.","business_capability_ids":["BC-1720.20.10","BC-1720.20.30","BC-1720.20.40"],"maturity":"core","confidence":"high","source_url":"https://www.ncino.com/solutions/credit-analysis","business_capabilities":[{"id":"BC-1720.20.10","name":"Application Credit Scoring"},{"id":"BC-1720.20.30","name":"Commercial Credit Analysis"},{"id":"BC-1720.20.40","name":"Credit Approval Authority"}]},{"id":"PC-590.30","name":"Collateral Management","description":"Records collateral against loans and relationships with its values, so coverage can be checked at approval and over the life of the credit.","business_capability_ids":["BC-1720.40.10","BC-1720.40.30"],"maturity":"partial","confidence":"medium","business_capabilities":[{"id":"BC-1720.40.10","name":"Collateral Valuation"},{"id":"BC-1720.40.30","name":"Collateral Monitoring"}]},{"id":"PC-590.40","name":"Credit Portfolio Management","description":"Watches booked commercial and small business loans with alerts for early signs of deterioration, scheduled relationship reviews and on-demand covenant tests.","business_capability_ids":["BC-1720.30.30"],"maturity":"strong","confidence":"medium","source_url":"https://www.ncino.com/portfolio-management-monitoring","business_capabilities":[{"id":"BC-1720.30.30","name":"Loan Covenant Monitoring"}]},{"id":"PC-590.50","name":"Deposit Account Opening","description":"Opens deposit accounts for consumers, small businesses and companies; an applicant can start on one channel and finish on another, and identity is checked automatically.","business_capability_ids":["BC-1710.20.10","BC-1770.10.10"],"maturity":"strong","confidence":"high","source_url":"https://www.ncino.com/deposit-account-opening","business_capabilities":[{"id":"BC-1710.20.10","name":"Deposit Account Opening"},{"id":"BC-1770.10.10","name":"Customer Identity Verification"}]},{"id":"PC-590.60","name":"Commercial Onboarding","description":"KYC and KYB workflows for new business clients, gathering ownership details and documents before accounts and loans are opened.","business_capability_ids":["BC-1770.10.10","BC-1770.10.20","BC-1710.20.20"],"maturity":"partial","confidence":"medium","business_capabilities":[{"id":"BC-1770.10.10","name":"Customer Identity Verification"},{"id":"BC-1770.10.20","name":"Beneficial Ownership Identification"},{"id":"BC-1710.20.20","name":"Account Ownership & Signers"}]},{"id":"PC-590.70","name":"Consumer Lending","description":"Digital applications, credit decisions and closing for personal loans and other consumer credit.","business_capability_ids":["BC-1720.10.10","BC-1720.10.20","BC-1720.20.20"],"maturity":"strong","confidence":"medium","business_capabilities":[{"id":"BC-1720.10.10","name":"Loan Pre-Qualification"},{"id":"BC-1720.10.20","name":"Loan Application Intake"},{"id":"BC-1720.20.20","name":"Consumer Loan Underwriting"}]},{"id":"PC-590.80","name":"Mortgage Lending","description":"Borrower engagement, mortgage application, document checks and closing for home loans, with analytics on pipeline and refinance opportunities.","business_capability_ids":["BC-1720.10.10","BC-1720.10.20","BC-1720.10.30"],"maturity":"strong","confidence":"medium","business_capabilities":[{"id":"BC-1720.10.10","name":"Loan Pre-Qualification"},{"id":"BC-1720.10.20","name":"Loan Application Intake"},{"id":"BC-1720.10.30","name":"Loan Documentation & Closing"}]},{"id":"PC-590.90","name":"Document Management and Validation","description":"Keeps loan and account documents in one place, checks submitted documents for completeness and tracks what is still outstanding before closing.","business_capability_ids":["BC-1720.10.30"],"maturity":"partial","confidence":"medium","business_capabilities":[{"id":"BC-1720.10.30","name":"Loan Documentation & Closing"}]},{"id":"PC-590.95","name":"Incentive Compensation","description":"Calculates commissions for mortgage loan officers from closed loans, following the plan rules.","business_capability_ids":["BC-430.50.20"],"maturity":"partial","confidence":"medium","business_capabilities":[{"id":"BC-430.50.20","name":"Sales Compensation Administration"}]}],"page_url":"https://catalog.mikereams.com/products/PR-590"}}