nCino, a banking technology platform provider, has unveiled new results from its Analyst Digital Partner, a role-based AI agent designed to support credit professionals in managing relationship reviews and portfolio risk.
Built on more than 14 years of banking-specific data, the AI agent works alongside human credit teams to automate analytical tasks and accelerate lending workflows.
The launch reflects a wider shift across financial services, including insurance, toward agentic AI systems that operate as digital colleagues rather than standalone tools.
Relationship reviews remain one of the most time-intensive tasks in commercial banking. According to nCino’s customer research, credit professionals typically spend between two days and a full week completing a single review.
Using Analyst Digital Partner within the nCino Commercial Lending platform, institutions are already reducing that effort by 60–70%, freeing credit teams to focus on higher-value activities.
The efficiency gains also enable institutions to review portfolios more frequently, shifting from quarterly or annual cycles to weekly or even daily risk monitoring.
Chris Gufford, Chief Product Officer at nCino, said, “Credit teams and bankers today are under real pressure. They’re managing growing portfolios with the same hours in the day and flat headcount. For teams spending up to a week on a single relationship review, the math is simple. Analyst Digital Partner gives them that time back, and then some. It’s a digital colleague that handles the analytical heavy lifting, so bankers can do what they do best: exercise judgment, deepen relationships and grow the business.”
The system is designed for rapid deployment. According to the company, one large US financial institution implemented the AI agent in just 36 minutes.
The technology forms part of nCino’s broader “dual workforce” strategy, where AI agents and human professionals collaborate within the same operational environment.
Analyst Digital Partner is governed through the company’s Agentic Operating System (AOS), which manages how AI agents are deployed, monitored and integrated into workflows across financial institutions.
Will Jung, Chief Technology Officer at nCino, said, “Building AI that truly works not just in, but for financial services requires more than deploying a capable model. It requires the right foundation. nCino Analyst Digital Partner is built on over a decade of banking-specific data and deployed within the operational context where credit decisions are already being made. That combination of domain depth and workflow integration is what separates purpose-built intelligence from generic AI adapted for banking after the fact.”
Beyond commercial lending, the AI agent is also being applied to mortgage underwriting workflows, where it automates tasks such as income verification and interpretation of automated underwriting system findings.
The approach highlights the growing role of AI agents across financial services, where automation is increasingly used to support risk analysis, decision-making and operational efficiency.
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