Plain-English steps
Lending operations staff write and read tests in banking language.
Two release calendars
One certification examiners can read
nCino inherits three Salesforce releases a year on top of its own package releases. Lending teams certify each one in plain English, through to core banking.
- Salesforce and package releases
- Through to core banking
- Evidence examiners can follow
Open the 'Loan' record '{{loan.name}}'
Select 'Credit Approval' from 'Stage'
Click the 'Save' button
Check that 'Approval status' shows 'Pending credit officer'
Check that the 'Covenants' tab lists 'Debt service coverage'
Lending teams own certification
Core banking clients too
The desktop engine drives teller and servicing screens other tools can't see.
Evidence for examiners
Steps, results, screenshots and a named sign-off in Quality View.
Certify each nCino release
The nCino release rhythm
Salesforce's calendar you cannot move. nCino's package releases your bank schedules.
| Release | Timing | Can you defer? |
|---|---|---|
| Salesforce major releases (inherited) | Spring, Summer and Winter, with sandbox previews | No |
| Salesforce patches (inherited) | Weekly | No |
| nCino package releases | Scheduled by your bank | You choose when |
Typical cadence. Dates vary by instance and region; check your vendor's release calendar.
Compare all vendor calendarsWhere nCino releases hurt
Platform and package change together, even when only one moved.
- A Salesforce change affects nCino screens the package did not touch
- Custom fields and Flows on nCino objects stop behaving as before
- Required documents fail to appear at the right stage
- Core banking, bureau and pricing connections return different data
What examiners care about
Certify the processes your examiners and customers care about.
- Loan origination: application, spreading, pricing and documents
- Credit approval: authority limits and approver routing
- Deposit account opening: identity checks and funding
- Covenant tracking: setup, due dates and exception alerts
Certify policy changes too
Credit policy changes do not wait for a release. When the approval matrix changes, prove the right officer still gets the loan.
- Product types and pricing rules
- Approval matrices and authority limits
- Checklists and permission sets
Loan origination, end to end
The loan is approved in nCino. The customer feels it in core banking and servicing.
The loan is approved and closed in nCino.
Core banking books it with the approved terms.
Servicing produces the first statement with the right payment.
Questions
Do we test for Salesforce or nCino releases?
Both. Run the same suite in the Salesforce preview sandbox and again before each package release.
Is the evidence enough for an exam?
It gives examiners a clear record of steps, results, screenshots and sign-off. Your compliance team decides what an exam needs.
See one loan certified into core banking
Bring one lending process. We run it across nCino and core banking with you.