Increase underwriting capacity without weakening credit discipline
Cicrim helps banks connect borrower intake, spreading, analysis, credit memos, policy checks, decisions, exceptions, and monitoring in one governed commercial-lending workflow.
Modernize the work around the credit decision
Commercial lenders often lose time moving information between relationship managers, spreading teams, analysts, credit officers, committees, document systems, and the core. Automation creates value only when those handoffs, policies, data definitions, approvals, and exceptions are designed as one controlled process.
Cicrim helps banks define the target workflow and implement the supporting data, integrations, decision tools, documentation, and oversight. The goal is faster, more consistent credit work with a complete record of how each recommendation and approval was reached.
One commercial credit workflow
Intake and document readiness
Structure borrower, guarantor, financial, collateral, and relationship information with clear completeness and quality checks.
Spreading and analysis
Standardize classifications, calculations, adjustments, global cash flow, trends, and analyst review before downstream use.
Memo and policy orchestration
Assemble decision-ready narratives, ratios, risks, mitigants, covenants, policy checks, and documented exceptions.
Decision and monitoring
Preserve approval authority, reason codes, conditions, bookings, covenants, portfolio indicators, and accountable follow-up.
Build the lending system around governed decisions
Digital Lending Platforms
Connect origination, documents, decisions, exceptions, booking, and servicing through governed workflows.
Automated SMB Lending
Apply a governed, capacity-focused lending pattern to smaller commercial and business-credit requests.
AI-Powered Decisioning
Introduce explainable scores, policy guardrails, review thresholds, and decision evidence without removing human accountability.
Fair-Lending Analytics
Evaluate disparities, explanations, overrides, segments, outcomes, and corrective action with reproducible analysis.
nCino
Align lending workflow, data, integrations, controls, testing, and adoption around measurable operating outcomes.
Focus the first release on measurable credit work
Cicrim can help baseline the current process, identify control and capacity constraints, define the target workflow, and sequence data, integration, automation, and adoption.