ON Credit Intelligence Suite™
Proven cloud software transforming commercial lending - banks lend smarter, lend faster, and lend more.
Forward-Looking Credit Analysis & Proactive Portfolio Monitoring
Instantly segment your portfolio and rate loans based on their level of vulnerability, giving you immediate insight into every borrower.
Reach faster, better data-driven credit decisions with a 360° analysis of borrowers through instant financial forecasting, sector insights, and peer analysis.
Take your portfolio risk management from reactive to proactive. Easily track industry trends and set early warning alerts for potential covenant breaches.
Welcome to Intelligent Credit
ON Credit Intelligence Suite Features
ML-powered anomaly detection, peer comparisons, sector insights, and scenarios
Deep granularity, with 283 unique scenarios mapped to 500 sub-sectors
Instant credit analysis
Data-driven real-time sector insights
Proactive, continuous credit monitoring
Portfolio-wide stress tests at speed, at the individual borrower level
Early warning indicators for at-risk loans
Seamless integration into existing bank systems
- 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, not past
- Get ahead of potential defaults
- Complete transactions in days, not months
- Credit decisions and path to ‘yes’ are 10x faster than traditional underwriting models
- RMs closing 5-10x more deals
- Analyze and approve loans in attractive new markets
- High return, low risk loans
- Look forward, not just backward, with forecasts underpinned by 283 sub-sector scenarios based on industry specific drivers that provide better credit-level decisions
- Minimize credit losses and monitor loans with the same rigor that you use to underwrite them
- Take proactive, preventative action across your portfolio, getting ahead of borrower financial hardship, industry driven risk deterioration, and covenant breaches
- Conduct institutional grade analysis at speed and scale
- Add objective third-party view and consistency of analysis with your credit risk committee, board of directors, and regulators with independent challenge to overlays, risk models and better provisioning
- Maintain an underwriting view of a loan and your whole loan book on an ongoing basis, rather than just at origination and annual review
- Achieve industry-leading customer satisfaction by making credit decisions 10x faster than traditional lending models
- Re-underwrite your whole loan book based on our forward looking scenarios, near-instantaneously
- Identify opportunities faster, and with less effort
- Free up more capital for lending by risk rating loans and lowering losses
- Become a trusted partner, not just a banker, with a deeper understanding of a borrower and their industries through sector insights
- Manage ahead of industry driven financial hardship and preempt potential default events
- Use the forward look of your current book to make better credit strategy decisions
"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."
CEO, CUSTOMERS BANCORP
Let's get ON with it
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