Customer Spotlight: PNC Strengthens Credit Risk Strategy with ONCI

December 1, 2025

Credit risk teams can no longer rely on backward looking reviews to stay ahead of borrower deterioration. Leading institutions are moving toward continuous, predictive insight, and PNC is one of them. After more than five years partnering with ONCI, PNC has modernized its approach to credit risk with forward looking forecasts, predictive indicators, and seamless workflow integration that turns early warnings into early action.

A Long-Standing Partnership
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For more than five years, PNC has trusted ONCI as a key partner in strengthening its credit risk strategy. In an environment where lagging indicators often come too late, PNC knew they needed to look forward — not just backward.
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Proactively Safeguarding Credit Portfolios

PNC set out with a clear objective: to identify credit risk early and catch borrower deterioration before it appeared in borrower financials. Their goal was to enable earlier intervention and build a more resilient credit strategy across the commercial portfolio.
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Why PNC Chose ONCI

To achieve this, PNC needed a partner that could combine predictive analytics with seamless operational integration. ONCI stood out for three key reasons:
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• Scenario-adjusted borrower forecasts - revealing how financials shift under multiple scenarios.

• Predictive early warning indicators - flagging borrower risk before it hits their financials.

• Seamless integration into workflows - turning insight into action, not just more data.

From Insight to Intervention

ONCI worked closely with PNC to deploy borrower-level financial forecasting designed to flag projected Probability of Default (PD) downgrades across multiple scenarios. These forecasts integrate directly into commercial credit risk workflows and scorecards, enabling teams to intervene earlier and protect portfolio health.

The Takeaway

This isn’t just another tech deployment. It’s a strategic shift — from reactive review cycles to always-on credit vigilance. And it’s exactly the kind of edge modern credit teams need.

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