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

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

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, 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
Lend Smarter

Lend Smarter

  • 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

Lend Faster

  • 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
Lend Faster
Lend More

Lend More

  • 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."


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