How One Bank is Rewriting the Rules of Commercial Lending with Real-Time Intelligence

What if your lending team could identify a risk six months before it surfaces or spot a funding opportunity the moment it opens?

 

That’s not a hypothetical. That’s what Lombard is doing today as the first financial institution to go live with ProBanker, nCino’s market-first commercial intelligence solution developed in partnership with Experian.

 

For most commercial lenders, the biggest revenue opportunity is already in their portfolio - clients ready for additional products, signals being missed because the data isn’t visible. In UK commercial banking, where 70% of businesses are multi-banked, that blind spot is costly.

 

ProBanker combines data from 180+ commercial credit contributor, 17 million commercial credit agreements and over £180 billion in commercial lending exposure, giving relationship managers a complete, multi-bank view of every client’s financial health. Combined with nCino’s SmartBanker, Lombard now has a 360-degree picture of customer risk and opportunity, transforming how its lending teams work from the ground up.

 

In this episode of FinTechTalk with Charles Orton-Jones, we go inside Lombard’s deployment to explore what truly intelligent commercial lending looks like in practice and what it means for the future of the market.

 

We’ll cover:

• The hidden revenue in your portfolio and how to unlock it

• Why traditional risk assessment is leaving relationship managers with an incomplete picture

• How nCino and Experian supported Lombard turn end-to-end intelligence into smarter lending decisions

• From real-time insight to revenue opportunity and what it means for the future of commercial banking

Join this episode to understand how data-driven intelligence is reshaping the commercial lending landscape and helping financial institutions unlock new growth opportunities.

 

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