ONCI Blog

The vision for credit analysis in 2026

Moving from monitoring to forward looking control

October Release: Alerts with Workflow, Reports, and CRE

Our October release brings the most significant ONCI updates yet — smarter alerts, action-ready reports, streamlined reviews, and expanded CRE support.

CRE Risk Overload: Why 2026 Will Be a Reckoning for Mid-Sized Banks

Mid-sized banks are carrying CRE risk that regulators can’t ignore.

Power Surge: Why Electricity Is the Next Credit Constraint

C&I lenders are staring at a new reality: electricity is the constraint.

Four key trends commercial lenders are watching in 2025

It's the start of a new year and commercial banks are setting their sights on the market trends that have the biggest potential to influence lending strategies in the months ahead.

The Economic Dynamics of Climate Transition

In the intricate web of climate-related risks, understanding the nuances between climate transition risk and climate change risk is essential.

Loathe the Annual Review? Turn the dreaded exercise into an opportunity

Commercial banks can streamline the annual review process by ranking borrowers to prioritize those who need the most attention.

OakNorth Bank: achieving net zero by 2035 with the help of ON Climate

Unconstrained by the age and complexity of many other commercial banks’ business models, OakNorth Bank feels it’s their call to be more ambitious.

Three must-haves for successful scenario analysis

With economic uncertainty and regulatory fallout following the recent bank failures, what bank regulators are going to be looking at in regard to scenario analysis and stress testing over the next 12 months and how data can be best used to measure and assess credit risk in times of economic uncertainty?

Turning the annual review into an active preview

The dreaded and time consuming annual review in commercial lending should be time spent on new loans or supporting distressed borrowers.

Customers Bank partners with OakNorth to compete with larger lenders

Most banks operate in the stone age, hindered by legacy technology and processes. At Customers Bank, we have been able to compete with some of the largest and most established lenders, growing assets from $250 million to $18 billion over the last decade, by taking a “high tech, high touch” approach.