How a Farm Credit cooperative consolidated five lending systems into one with nCino
Discover how a Farm Credit cooperative transformed lending operations with nCino, consolidating five systems into one and enabling end-to-end loan automation.
About the Client
This member-owned Farm Credit cooperative serves over 73,600 member-owners, supporting the agricultural community with tailored financial solutions. Focused on modernizing operations, the cooperative needed to streamline its lending process to deliver a better experience for both customers and employees.
Overhauling a fragmented loan origination process
The CEO issued a clear mandate: modernize the lending experience.
For Farm Credit institutions, a seamless loan origination process is critical to serving agricultural borrowers efficiently and building long-term trust. Yet, the organization was operating with:
- A 10-year-old, heavily customized Salesforce Classic org
- A homegrown loan origination system (LOS)
- Four additional disparate systems
- Code conflicts and inefficiencies across seven agile teams
This complex tech stack was slowing internal progress and making it nearly impossible to scale or adapt quickly, putting both service quality and growth at risk.
The Zennify Solution
Technologies optimized
Salesforce Financial Services Cloud, Salesforce Lightning, nCino
Functionality added
Modernized loan workflows across four lines of business, Fully automated document preparation with ActiveDocs, Centralized collateral tracking in nCino
Zennify services
Managed Services, strategy, implementation
Scalable architecture and automation-first design
Zennify partnered with the Farm Credit cooperative to create a simplified, scalable environment with a phased rollout to support adoption.
Key elements included:
- Replacement of the custom-built LOS with a complete nCino loan workflow for four lines of business
- Automated doc prep using ActiveDocs within nCino
- Custom automation and integrations to address specific business needs
- Establishing nCino as the system of record for collateral
- Enabling full automation for loan decisioning and booking—paving the way for an end-to-end digital application experience
Results: Streamlined lending, simplified systems
A single, intuitive platform now powers lending workflows, boosting consistency and adoption.
Five systems became one. Collateral is now tracked in one place, reducing manual effort and risk.
Loan decisioning and booking are fully automated, paving the way for a seamless, end-to-end digital experience.
