The Virginia-based bank was using an automated decisioning system for all loans, but it did not enable the bank to apply real technology to improving business workflows. Middleburg Bank still dealt with a lot of paper, and during any organic growth, it was forced to build upon homegrown processes. After evaluating several replacement options, the bank realized that nCino's multifaceted Bank Operating System could solve many of the challenges it faced. A team tested its model across a number of business competencies and determined that nCino could deliver the efficiencies it needed by removing duplication of effort, streamlining documentation, consolidating storage and providing clear customer relationship managment views. Executives also anticipate that nCino can help manage borrower expectations, reduce timelines and provide more clarity into each loan's movement, enhancing the overall borrower experience.

Jeffery H. Culver, chief operating officer, said, "Our bank built its reputation around exceptional service and community commitment. Partnering with nCino enables us to strategically reinforce and augment our operations, which will further strengthen our performance, and therefore our brand, as a quality lender."

Culver added that nCino is engaging at every stage, teaching through demonstration how its product will provide value and improve practices at the bank. nCino's Bank Operating System combines essential loan origination functions with CRM, business process workflows and reporting dashboards in a single place to automate and simplify the entire lending process. Its unique model also opens up each loan to all its stakeholders, creating an awareness and accountability unrivaled in the market today.

"Middleburg Bank understands technology's role today in boosting a financial institution's brand and customer loyalty," said nCino CEO Pierre Naudé. "When bank or credit union employees are equipped to do their job better and fasster – not to mention more informed – then they are consequently improving consumers' perception of how an institution can meet personal needs. Our Bank Operating System offers a view of borrower relationships that pushes the limits of customer service and knowledge."