ON Credit Intelligence Suite

Proven cloud software transforming commercial lending - banks lend smarter, lend faster, and lend more.

Welcome to Intelligent Credit

ON Credit Intelligence Suite Features

  • Machine learning powered anomaly detection, peer comparisons, sector insights, and scenarios

  • 274 industry forecasts models

  • Extreme granularity to level 5 NAICS code analysis

  • Segmented, prioritized loan reviews

  • Data-driven real-time sector insights

  • Proactive, continuous credit monitoring

  • Portfolio-wide stress tests at speed, at the borrower level

  • Early warning indicators for at-risk loans

  • Seamless integration into existing bank systems

Lender Outcomes

  • 360° view of a borrower’s financial position, including forward-looking view
  • Digitization and centralization of data
  • Confidently tailor loans to a borrower’s future
  • Get ahead of potential defaults
  • Complete transactions in days and weeks, not months
  • Credit decisions and path to ‘yes’ 10x faster than traditional underwriting models
  • Relationship Managers closing 7x more deals
  • Identify new opportunities for loan book growth
  • High return, low risk loans

Lend Smarter

  • Early warning indicators flag potential credit issues enabling a faster response and better credit outcomes.
  • Automate manual touchpoints in the annual review process to improve efficiency and free up team time to originate more loans.
  • Identify potential defaults and covenant breaches faster and earlier to minimize defaults and credit losses.  
  • Identify vulnerable borrowers that require a detailed review and reduce team time spent on performing borrowers.
  • Assess the difference between businesses at a granular level (where significant variations exist) to better understand risk and create tailored credit policies.

Lend Faster

  • Automate aspects of the review process to conduct ongoing reviews vs point in time (e.g. annual reviews) – saving time and improving efficiency.
  • Monitor loans with the same rigor as you underwrite them.
  • Incorporate scenario analysis, historical trends, and peer performance into monitoring and reviews.
  • 274 industry forecast models and L5 NAICS code analysis.
  • Scenario analysis can enhance existing decision-making processes, or act as a strong independent challenge and model validation. 
Lend Faster
Lend More

Lend More

  • Relevant sector insights when you need them to support client engagement and credit decisions.
  • Relationship managers have genuine relationships with customers by managing ahead of industry-driven financial hardship and potential default events.
  • Lower losses mean more capital available for lending
  • Granular, bottom-up, forward-looking insight enables an independent framework to assist with qualitative overlays to risk rate loans and free up capital.
  • Continuous monitoring, with early warning indicators driven by leading operating metrics results in a ‘trusted partner’ status. 

"OakNorth enabled us to take a granular, bottoms-up approach, with a company-wide view of credit quality and industry exposure. As a result, we identified the most vulnerable businesses and took proactive measures to support them. This automated loan-by-loan review has not only enabled us to be nimbler and manage risk better, but has also meant we can have consultative discussions with our borrowers."


Request a personalized demo to discover what ON Credit Intelligence can do for your bank.

What We’ll Cover:

  • What makes our technology different
  • How rapidly you’ll see results
  • Ease of installation and cost benefits
  • Current customers and outcomes