Annemarie Murphy, SBA Chief Operations Officer for United Community Bank, said, “In such high-growth mode, our team needed to somehow simplify and expedite the SBA process. The automation we get from nCino is impact enough, but the bigger picture is having all parties work a loan from inception to finish in one place, and then being able to extract rich data – at any point in time – to help understand our borrowers and overall portfolio health. The Bank Operating System will empower our team to drive revenue, growth and service with historic and forward-looking views indicative of actual customer potential.” 

United Community Bank operates more than 100 locations throughout the Southeast and has grown its SBA lending department from two to more than 30 employees in four months, with plans to expand it out further through end of year. The bank wants to steadily increase SBA loan activity while improving its ROA, ROE and efficiency ratio. By implementing nCino’s Bank Operating System, United Community Bank gains CRM and back end reporting capabilities as well as automates all document workflow from origination to funding – all in a single platform. Cloud-based and consolidating usually disparate systems, the Bank Operating System gives United Community Bank the framework to better identify quality leads and convert those leads faster without sacrificing loan quality.

“The SBA is making way for big changes to automate document uploads and form generation and to accept eSignatures,” said Pierre Naudé, CEO, nCino. “We are trying to extend even more simplicity, speed and integrity to financial institutions’ SBA lending. nCino customers benefit from the agility of a cloud-based system to keep pace with market changes, and with a faster less costly way to implement new applications.”