ONCI is a purpose-built commercial credit analysis platform giving you forward-looking, portfolio-level control — combining actuals, trends, forecasts, and benchmarks in one flexible product.
See where your borrowers are headed — not just where they’ve been. ONCI forecasts financials like DSCR, revenue, and margins so you can catch issues sooner and get ahead of deterioration.
ONCI helps you stay ahead of risk with borrower-level alerts triggered by actuals, forecasts, or both. Set your own thresholds — like revenue dropping 15%+ or DSCR falling below 1.2x — and get clear signals when deterioration starts, not after it’s too late.
ONCI gives you more than a forward view — it gives you full strategic control. Analyze trends, forecast borrower performance, and test sensitivities across key credit metrics like DSCR, EBITDA, and leverage. Then roll it all up by sector, geography, or portfolio to inform decisions, not just detect risk.
Stop treating all reviews the same. ONCI classifies borrowers into Red / Amber / Green bands based on forward risk — so you can fast-track the safe ones, focus on the riskiest, and clear your backlog without adding headcount.
When regulators or your board come calling, ONCI equips you with the data to respond — borrower by borrower, sector by sector. Forecasts, trends, and thresholds help you show that you’re on top of your portfolio.
Use ONCI’s library of prebuilt reports — from refinancing risk to concentration exposure — or build your own with intuitive filters, drop-downs, and custom views. Everything adapts to your credit policy.
Export results to Excel, or connect ONCI directly to your internal systems and tools. Whether you need a credit committee deck, portfolio monitoring dashboard, or insights to support regulatory reviews — ONCI fits in.
Start with the data you have. ONCI’s platform grows with your data maturity and adapts to your workflow — no complex implementation or retraining needed.
ONCI supports credit teams across the spectrum — from regional banks modernizing review processes to large institutions managing portfolio risk at scale.
Clients include:
Spot borrower deterioration early and respond with confidence. ONCI brings together actuals, forecasts, and thresholds — so you can catch issues before they become losses and track them clearly through review and escalation.
Triage the backlog and focus where it matters. RAG-based prioritization helps you decide which reviews to skip, streamline, or escalate — without adding headcount.
Demonstrate visibility and control — not just defensibility. Use ONCI to justify decisions, spot risks across segments, and respond clearly when regulators or the board ask, “Where are we exposed?”
Get a portfolio view that actually reflects borrower-level fundamentals. ONCI rolls up trends, forecasts, and thresholds by segment or region — so you can steer strategy, not just stress test in hindsight.
Free up Relationship Managers to focus on new business. ONCI streamlines post-origination monitoring — reducing credit drag, surfacing relevant deterioration, and helping underwriting teams learn from real borrower performance. And when a loan is borderline, those same insights — including stress scenario results — can help credit committee make more confident calls before the loan is booked.
Do more with the team you have. ONCI increases credit team efficiency — reducing hours per review and enabling earlier intervention before losses escalate. Whether you're planning for growth, managing OpEx, or preparing for M&A, ONCI gives you a clearer view of downside risk and credit capacity.
Structured, standardized borrower data is the foundation for any intelligent system. ONCI turns fragmented inputs into clean, consistent credit intelligence — ready for automation or analytics.
ONCI
445 Park Avenue
Floor 6
New York, NY 10022
