ConnectOne Bank Deploys nCino Agentic AI to Boost Commercial Banker Productivity by 50%

Quick Summary

ConnectOne Bank is utilizing nCino Agentic AI to transform its commercial lending operations. By deploying the nCino Agentic Operating System (AOS), the bank aims to increase frontline productivity by 50%, reducing document search times by 97.5% and automating high-friction administrative tasks through specialized AI agents.

How Does ConnectOne Bank Use nCino Agentic AI to Improve Efficiency?

ConnectOne Bank solves the problem of administrative workflow friction by integrating nCino Agentic AI directly into its commercial lending lifecycle. The bank has deployed the Banking Advisor’s Knowledge Base, which has turned a 20-minute document search process into a 30-second task. This represents a massive 97.5% reduction in time spent navigating credit policies and job aids.

• 97.5% faster document searches for bankers.
• 41% growth in active AI user adoption within 10 weeks.
• 60% reduction in task time for relationship updates via Document Intelligence.

By focusing on measurable operational advantages, the bank is moving away from manual data entry toward an automated, auditable environment. The Agentic Operating System allows the bank to build custom agents with 16 unique skills, ensuring that AI-assisted actions remain under the institution's strict regulatory control.

What Results Has the Agentic Operating System Delivered for Commercial Lending?

The implementation of nCino Agentic AI has allowed ConnectOne to compress a multi-year digital transformation into a deployment measured in weeks. The bank’s primary goal is to make frontline commercial bankers 50% more productive, effectively reclaiming 1,000 hours per employee from low-value tasks. This allows staff to focus on high-value client relationships and faster speed-to-market for loan approvals.

"We are one of the most efficient banks in the country. I believe with the things we're working on today together with nCino, we are going to be able to make every single one of our frontline people 50 percent more efficient. Fifty percent means our bankers will work a thousand hours less on things that don't matter and a thousand hours more on the things that do," said Frank Sorrentino III, Chairman and CEO at ConnectOne Bank.

How Does nCino Ensure AI Governance in Banking?

For financial institutions, trust and transparency are non-negotiable. nCino solves the "black box" AI problem by providing a trust infrastructure where every AI-assisted action is auditable and explainable. The nCino Agentic AI platform enables banks to use their own institutional knowledge and data to train agents while maintaining full control over the decision-making process.

"Frank and his team have turned AI into a measurable operational advantage across the entire lending lifecycle, and the work they're doing on the AOS puts them ahead of where most of the industry is even trying to get to," said Sean Desmond, CEO at nCino.

FF NEWS TAKE:

This partnership truly moves the needle because it shifts the AI conversation from theoretical "chatbots" to nCino Agentic AI agents that perform specific, high-value banking skills. ConnectOne Bank is proving that efficiency isn't just about cutting costs; it's about reallocating human capital to where it matters most. Achieving a 97.5% reduction in search time is a benchmark that will force other commercial lenders to accelerate their own AI roadmaps or risk irrelevance.