Lombard, part of NatWest Group, and nCino, a global cloud banking software provider, have expanded their long-standing partnership to deploy nCino’s new ProBanker solution, advancing commercial lending intelligence and decision-making for frontline lending teams.
The expansion is driven by both firms’ aim to address a pervasive challenge in commercial lending: a lack of visibility into clients’ total market exposure and associated risk, which can hamper lending decisions and delay funding.
By working together to implement ProBanker alongside Lombard’s existing SmartBanker deployment, the partners seek to give lenders a complete view of client financial health, reduce risk, and unlock growth opportunities.
The goal of the latest partnership phase is to deploy ProBanker intelligence across the commercial lending lifecycle, enabling Lombard’s lending teams to see liquidity, debt exposure, cash flow patterns and risk indicators in near real-time. Developed with Experian, ProBanker aggregates data from more than 180 commercial credit contributors and millions of credit agreements to deliver actionable insights into affordability and total exposure.
By unifying these insights, Lombard aims to move beyond siloed credit checks and risk assessments to a holistic approach that supports faster decision-making, proactive client engagement, and earlier identification of funding opportunities for SMEs. This comes as UK SMEs are forecast to require more than £70bn in funding by 2030, underscoring the importance of improved visibility for lenders.
Together, SmartBanker and ProBanker provide Lombard with a 360-degree view of customer financial health, blending traditional engagement data with deep credit intelligence. The result is a more proactive, data-driven strategy that enhances customer experiences while strengthening risk management across the lending book.
The successful pilot has convinced Lombard to move ProBanker from pilot to full deployment across lending teams, setting a precedent for other lenders looking to harness intelligence across the commercial lending lifecycle and compete on insight rather than price.
Lombard relationship director Kirsty Herbert said, “Using ProBanker, we were able to spot emerging payment and liquidity trends before meeting the customer. That insight changed the conversation — allowing us to talk openly about their liquidity position and bring in our invoice finance specialists at the right moment to support them. Turning potential risks into opportunities for tailored client support.”
Lombard managing director Paul Edwards said, “We are delighted to be early adopters of this game-changing technology, putting enhanced data in to the hands of our Relationship Managers. We’re already seeing the benefits in terms of our ability to provide market-leading solutions to our customers.”
Lombard managing director Paul Edwards said, “What excites me is the opportunity to combine our deep know-how with advanced data science to truly transform sales effectiveness, customer support and risk management across the whole client lifecycle.”
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