As an independent community bank with an international presence, $650 million Bank of the Orient has branches in the heart of San Francisco’s financial district, Honolulu and People’s Republic of China. Its diverse customer base requires the bank to understand broader economic indicators while remaining deeply connected to the local community it serves.

Deploying a traditional LOS or CRM point solution would provide Bank of the Orient a detached view of the individual customer relationship and loan pipeline. Alternatively, nCino’s Bank Operating System provides a single platform for taking a loan from origination to funding in addition to CRM, workflow automation and reporting capabilities. The bank has managed disparate systems for these functions until this point, but now can eliminate dual data entries, centralize and electronify paper documents, and automate the movement of files between hands. The Bank Operation System will create a more productive, streamlined lending environment while also granting increased transparency into pipeline monitoring.

Andrew Hernandez, vice president and senior information officer of Bank of the Orient, explained, “We pride ourselves as being a genuine relationship bank, and nCino’s technology will help us further deliver on that promise. It will also give us a snapshot of the loan pipeline at any point in time, and allow a deeper look into banker performance, loan status, prospect communications and more. Our employees can be more informed about each customer relationship and therefore provide even higher service levels, not to mention improve our efficiency ratio and ROE. The people behind the Bank Operating System are bankers themselves, made clear by the challenges for which the platform will help us solve.”

nCino provides financial institutions a single cloud-based system for all of their retail, consumer and commercial loan production needs. Customizable and scalable, it enables lenders to be better relationship managers and by offering a comprehensive borrower picture based on the definitive requirements of any bank or credit union’s lending environment.

“With a strong tradition of customer service, Bank of the Orient needed a platform to propel its position as an attentive, expert lender for its niche clientele,” said Pierre Naudé, CEO, nCino. “Our Bank Operating System will give the bank the 360-degree view it needs to effectively reach customers across geographic regions, essentially enabling greater cross-sells, increased wallet share and exceptional relationships.”