How Platinum Bank streamlined lending and improved risk management with nCino
Discover how Platinum Bank streamlined lending operations with nCino and Zennify’s managed services, improving efficiency and risk management at scale.
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About Platinum Bank
Platinum Bank is a business-focused financial institution serving growth-oriented companies with annual revenues of $2–50 million. Headquartered in the Greater Twin Cities with reach across Western Wisconsin, Platinum Bank offers tailored banking solutions that meet the needs of expanding organizations.
Optimizing an nCino implementation
After implementing nCino, Platinum Bank aimed to expand its capabilities and improve overall platform performance. While they had deep financial expertise in-house, the bank needed hands-on technical support to:
- Resolve platform pain points (e.g., loan officer assignment updates, UI inefficiencies, credit actions)
- Configure consumer loan workflows
- Modernize and optimize system functionality in line with business goals
To meet the evolving needs of both employees and customers, Platinum Bank sought an experienced nCino partner who could provide ongoing configuration, enhancements, and strategic guidance.
The Zennify Solution
Solutions Implemented
Commercial loan workflow optimization, Consumer loan workflow creation
Technology Optimized
nCino
Zennify Services
Modern Managed Services
The strategy
Zennify’s nCino Managed Services team partnered closely with Platinum Bank to improve performance, drive efficiency, and enhance employee experience. Key initiatives included:
- Automated loan team functionality to streamline assignments and approvals
- UI enhancements for a more intuitive and productive user experience
- Modernized credit actions, enabling generation of credit reviews and short-term credit extensions
- Updated approval authorities to align with Platinum Bank’s internal policy and compliance needs
- Overhauled exposure calculations, ensuring alignment with how Platinum measures exposure across products and relationships
Zennify also introduced a new consumer loan origination process within nCino, bringing visibility across the full portfolio. Beyond workflows, Zennify updated key documentation, including a revised commercial credit memo and new SBA and consumer credit memos.
Platinum Bank continues to engage Zennify as the first Managed Services provider in the nCino ecosystem, leveraging strategic expertise and hands-on support to keep their platform aligned with evolving business goals.
Results: Smarter workflows, better risk management
Faster, standardized commercial and consumer loan processes improved efficiency and performance across lines of business.
A more intuitive interface helps users compile reports, process applications, and access client profiles with ease.
Exposure calculations are now embedded in the platform, improving alignment, consistency, and visibility for loan officers and branches.
