Automation for Community & Regional Banks

Modernize loan processing, account opening, and compliance workflows without replacing your core systems.

Industry Benchmarks

45 days
Avg. commercial loan time
Source: American Bankers Association
30%
Of loan apps abandoned due to friction
Source: BAI Banking Strategies
2-3 weeks
Typical exam prep time
Source: Conference of State Bank Supervisors

Sound Familiar?

These are the challenges we hear most often from community & regional banks.

Loan Processing Delays

Applications sitting in queues while documents are gathered and verified manually

Account Opening Friction

New customers waiting while staff enters information into multiple systems

Compliance Documentation

Manual gathering of documents for audits and regulatory examinations

Customer Communication

Staff time spent on routine status calls and sending standard notifications

How We Help Community & Regional Banks

Tailored automation solutions designed for your industry's specific needs.

Loan Origination Automation

Digital application intake, automated document collection, status notifications, and workflow routing to speed up lending.

Account Opening

Streamlined digital account opening that populates your core, CRM, and document management systems from a single intake.

Compliance Workflows

Automated BSA/AML monitoring alerts, SAR tracking, examination preparation, and policy attestation management.

Customer Communication

Automated loan status updates, account notifications, rate change alerts, and personalized marketing campaigns.

Workflow Automation

Common Community & Regional Banks Workflows

See how we automate the workflows that matter most to your business—from understanding to implementation.

1 of 2AI-Powered

AI-Accelerated Loan Processing

AI extracts data from uploaded documents, validates completeness, identifies missing items, and routes applications through underwriting—dramatically reducing manual review time.

Job to Be Done

Move loan applications from submission to funding in days instead of weeks with intelligent document processing

Trigger: New loan application submitted

Workflow Steps

STEP 1
Application Received

Borrower submits application via online portal or branch

nCinoEncompassLOS
STEP 2
AI Document Extraction

AI reads uploaded documents (pay stubs, tax returns, bank statements) and extracts key data points

Document AIOpenAI VisionAWS Textract
STEP 3
Completeness Check

System identifies missing documents and auto-requests from borrower

LOSEmailSMS
STEP 4
Automated Verification

Income, employment, and asset data verified against third-party sources

Verification ServicesPlaidEquifax
STEP 5
AI Risk Pre-Screening

Initial risk assessment flags potential issues for underwriter attention

AI ModelCredit Engine
STEP 6
Underwriter Review

Human underwriter reviews AI-prepared package with risk summary

LOSnCinoWorkflow
STEP 7
Generate Decision Docs

Approval/denial letters and closing documents generated

LOSDocusignDocument Generation
STEP 8
Notify Borrower

Decision communicated with next steps for closing

EmailSMSPortal

Data That Flows Through

Application dataDocument imagesExtracted dataVerification resultsRisk scoresDecisionClosing docs

Outcomes

Loan processing reduced from 30 to 14 days
Document review time cut 70%
Underwriters focus on decisions vs data gathering
Borrowers get faster answers

Implementation Options

This workflow can be built on any of these platforms. Click to see implementation notes:

Ready to automate these workflows for your business?

Discuss Your Workflows

Tools We Integrate With

We connect the software your industry relies on.

Jack Henry
Fiserv
FIS
nCino
Salesforce Financial Services Cloud
Docusign
Encompass

Who We Help

We work with professionals across community & regional banks facing these common challenges.

Chief Operations Officer at community bank

Typical Challenges

  • Loan processing taking 30+ days
  • Documents scattered across systems
  • Loan officers drowning in paperwork

Typical Impact

  • Loan processing cut in half
  • Automated document collection
  • Loan officer productivity increased

Common Software

Jack HenrynCinoDocusign

Branch Manager

Typical Challenges

  • Account opening taking 45+ minutes
  • Data entry into multiple systems
  • Customer experience suffering

Typical Impact

  • Account opening in 10-15 minutes
  • Single entry populates all systems
  • Customer walks out banking same day

Common Software

FiservSalesforce FSCID Verification

BSA/Compliance Officer

Typical Challenges

  • Examination prep consuming weeks
  • Manual gathering of compliance data
  • Audit trail gaps

Typical Impact

  • Exam packages ready in days
  • Automated compliance data aggregation
  • Complete audit trails

Common Software

Compliance SystemCore BankingDocument Management

Frequently Asked Questions

Do you integrate with core banking systems?

Yes, we integrate with major core banking platforms including Jack Henry (Silverlake, SynapsyS, CIF 20/20), Fiserv (Premier, Signature, DNA), FIS, and others through their available APIs and interfaces.

How do you ensure regulatory compliance?

Our integrations maintain complete audit trails required by banking regulators. We follow secure development practices and can work with your compliance team to ensure all automations meet regulatory requirements.

Can you help with our digital transformation initiatives?

Absolutely. Many community banks want to offer modern digital experiences without ripping out their core systems. We build integration layers that enable digital banking features while preserving your existing technology investments.

Ready to Transform Your Community and Regional Banks?

Let's discuss how we can automate your workflows and free up your team to focus on what matters most.