nCino Cloud Banking Platform Reviews

Pros

One of the biggest advantages about it is how well it works with Salesforce. It gives us a packaged banking solution with the support we need while still letting us take advantage of the other softwares broader features whenever it makes sense. Several features have made a noticeable difference in our daily operations especially forms manager, docman, the loan page and spreads. Even if some of those tools are used more heavily than others they all add value to our workflow and help improve efficiency. Another strong point is the way the platform brings systems together so everyone across the company is looking at the same information and the same view of each transaction.

Cons

At the same time the limits around customer control within the package have been frustrating. The customer portal feels underused across the customer base and includes parts that are difficult to update. Even small changes to the customer experience seem to require a larger project which makes simple adjustments harder than they should be. The out of the box interface also feels clunky and even minor process changes can have a noticeable impact on load times. On top of that the onboarding was a heavy lift! It took about 18 months to get fully up and running and required a lot of internal effort and customization because the platform did not completely deliver on what was originally promised.

Pros

Watching how a loan moves through each stage over time is really useful and the way route,, subroutes and screen sections can be configured across objects is quite interesting. It's also a big plus that this managed package can be installed directly in Salesforce.

Cons

There are still some limitations especially around the out of the box configuration options. Many clients are hoping for further improvements and additional enhancements because expectations for the platform continue to grow.

Pros

Easy to figure out and the security features stand out. It feels dependable and works well for end users.

Cons

I haven't run into anything I dislike about it based on the time I've spent using it.

Pros

Configuring the UI makes designing the interface feel pretty effortless.

Cons

The document manager is where it falls short because it relies on Salesforce data storage. For larger applications handling and storing a high volume of data in Docman becomes difficult.

Pros

After 10 years working in banking systems I'm genuinely impressed by this softwares built in loan origination capabilities. What used to be a 7 step process spread across multiple traditional systems is now handled in one platform covering prequalification, application processing, underwriting, credit decisions, quality checks and loan funding. Relying on different vendor applications used to be frustrating for customers and a trouble for the support team. Moving to this has made the whole onboarding and lending process much more manageable for everyone and it has also cut down the long hours spent troubleshooting and debugging separate vendor tools.

Cons

One area that still needs improvement is faster development testing and production deployment.

Pros

The end to end sequential loan workflow is really well organized. I can add collateral and assets in one place which keeps everything together and saves time. The Credit Memo feature is one of the strongest parts since it generates the loan into a PDF document and it also has a clean UI with excellent document placeholders.

Cons

At times page loading can be a bit slow.

Pros

The process automation is a big advantage and the way the platform lets you configure a polished and attractive UI is really impressive.

Cons

One area that still feels challenging is migrating the UI from one org to another.

Pros

Using it day to day feels very easy and the business processes are well designed. The reporting side is also really strong and adds a lot of value.

Cons

Something that would make it even better is expanding the product modules more for the superannuation industry.

Pros

Does a good job of bringing loan origination tools and scorecards together in one platform.

Cons

It is a very large ecosystem and it feels like it's stretching to cover a lot of different areas instead of focusing deeply on just a few.