nCino Banking UX: Escrows Payment Schedule

For a time, nCino lacked the functionality to process home lending loans. Bankers were forced to rely on solutions outside of nCino when customers needed these loans. nCino needed a powerful escrow solution that not only enabled nCino to process this information, but saved clients, bankers, and their customers time and money across the board.

What did I do?

I designed the Escrows Payment Schedule, marking a major step forward for nCino's home lending efforts. This solution enabled bankers to determine specific escrow payment expectations within the app. These details are typically locked behind paywalls and require communication with outside entities. Now, bankers can use loan and fee details to calculate how much customers will need to pay (as well as when they will need to pay it) in real time.

What was accomplished?

✅ The Escrows Payment Schedule gave nCino a lot of momentum for future teams to continue to push into home lending, being adopted in US, CA, UK, and APAC.

✅ Calculating escrow payment schedules natively saved bankers up to a week every time a new calculation was needed (not to mention what it costs the bank to get this information from government entities).

✅ The customer experience was improved by cutting down time spent waiting for updates from bankers. Slimming down margins of error helps bankers avoid easy mistakes, which always require redisclosures. This means customers can close on their homes more quickly!