Who do relationships pertain to in the nCino borrowing structure?

In the nCino borrowing structure, relationships pertain to individuals or legal entities involved in borrowing because it encompasses all relevant parties that are part of the lending process. This includes not only the primary borrowers, who may be individuals or entities seeking loans, but also co-borrowers, guarantors, and other associated stakeholders who may have an interest or involvement in the borrowing transaction. Understanding these relationships is crucial for lenders as they assess creditworthiness, risks, and the overall dynamics of the borrowing scenario.

This comprehensive approach ensures that nCino can provide an effective framework for managing loans, tracking risk, and fostering clearer communication between all parties involved. In contrast, limiting relationships strictly to customers, legal entities, or loan officers would neglect the multiple roles played by various individuals within the borrowing process, which are essential for a holistic understanding of the lending landscape.