nCino Inc. (NASDAQ: NCNO) announced that its Analyst Digital Partner AI agent reduces commercial relationship review time by 60% to 70%, according to customer interview research conducted by the banking software company.

The AI tool addresses a time-intensive process in commercial banking where relationship reviews typically require two days to a full week to complete. Financial institutions using the technology can now complete these reviews in hours rather than days, enabling more frequent portfolio risk assessments.

"Credit teams and bankers today are under real pressure. They're managing growing portfolios with the same hours in the day and flat headcount," said Chris Gufford, Chief Product Officer at nCino.

The Analyst Digital Partner operates within nCino's Commercial Lending platform and is built on banking-specific data collected over 14 years. One enterprise-sized U.S. financial institution implemented the system in 36 minutes, according to the company.

The AI agent also functions in mortgage underwriting, where it performs income verification and processes automated underwriting system findings. These capabilities aim to reduce manual work between loan submission and approval.

The technology operates through nCino's Agentic Operating System, which manages AI agents alongside human banking professionals. The system is designed to handle analytical tasks while human workers focus on relationship management and decision-making.

"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," said Will Jung, Chief Technology Officer at nCino.

nCino serves over 2,700 customers globally, including community banks, credit unions, independent mortgage banks and large financial institutions.