The Business Analyst and Product Owner to support Credit Administration in the successful implementation and ongoing optimization of the nCino platform. Reporting to the SVP, Credit Manager, this role bridges Credit Administration, lending teams, IT, and nCino - owning the platform roadmap, translating credit policy into system configurations, managing the full project lifecycle, and driving data-driven insights across the lending operation.
Primary Duties and Responsibilities
Product Vision & Roadmap
• Own and communicate the nCino product roadmap aligned to Susser Bank's strategic lending goals, maintaining a prioritized backlog that reflects business value and regulatory requirements.
• Translate complex credit and operational needs into clear user stories, acceptance criteria, and release plans in partnership with the SVP, Credit Manager and executive leadership.
Stakeholder Engagement
• Serve as the primary liaison between Credit Administration, lending, compliance, IT, and nCino, facilitating regular reviews, demos, and feedback sessions to drive platform adoption.
• Build strong relationships with nCino customer success and professional services teams to leverage platform best practices and stay current on the product roadmap.
Project Management - nCino Implementation
• Partner with IT to manage the nCino implementation lifecycle - scope, project planning, resource coordination, milestone tracking, UAT, training, and go-live - ensuring delivery on schedule and within budget.
• Coordinate across Credit Administration, IT, Operations, Compliance, and nCino professional services; proactively manage risks, vendor relationships, and change management to drive successful adoption.
• Conduct post-implementation reviews to capture lessons learned and manage a governance framework for ongoing platform enhancements.
Agile Delivery & Team Leadership
• Lead sprint planning, backlog refinement, sprint reviews, and retrospectives; provide clear acceptance criteria and make real-time prioritization decisions to maintain team velocity.
• Track and report sprint metrics, release progress, and platform KPIs to keep leadership informed and stakeholders aligned.
nCino Platform Management
• Oversee configuration of nCino modules including LOS, Treasury Management, Portfolio Analytics, and nCino IQ; govern configuration changes, data standards, and integration touchpoints (core banking, credit bureau, e-signature).
• Evaluate and recommend adoption of new nCino features and managed package releases; coordinate UAT planning, test coverage, and sign-off for all enhancements.
Data Analytics & Reporting
• Design and deliver dashboards, scorecards, and executive reports using nCino IQ and Portfolio Analytics, monitoring KPIs including pipeline velocity, exception rates, portfolio concentration, and covenant compliance.
• Partner with Credit Administration and Finance on data models supporting loan review, credit stress testing, and CECL; serve as the subject matter expert on nCino data architecture to ensure integrity across all reporting outputs.
• Identify trends and opportunities within lending and credit data, translating findings into backlog priorities; support data migration by defining mapping standards and validating data quality.
Compliance & Credit Policy
• Ensure nCino workflows, credit memo templates, approval hierarchies, and covenant tracking reflect Susser Bank's credit policy and regulatory requirements (OCC, FDIC, HMDA, CRA, BSA/AML, etc.).
• Maintain audit-ready process documentation and configuration records to support internal audit, loan reviews, and regulatory examinations.
Required Qualifications
• Bachelor's degree in Business, Finance, Information Systems, or related field.
• 3+ years of hands-on nCino experience as a Product Owner, Business Analyst, Implementation Specialist, or Platform Administrator.
• Demonstrated experience managing technology projects through full lifecycle delivery.
• Deep knowledge of nCino LOS modules, credit workflow configuration, and lending processes.
• Strong business analysis skills: process mapping, requirements documentation, and gap analysis.
• Data analysis and dashboard experience using nCino IQ, Salesforce Reports, Power BI, or comparable tools.
• Understanding of credit administration functions: underwriting, loan structuring, and covenant monitoring.
• Excellent communication skills; able to translate between credit/business and technical language
Preferred Skills & Attributes
• nCino Certified Product Owner, Platform Administrator, or Implementation Specialist.
• PMP, CSPO, or SAFe POPM certification.
• Salesforce Administrator (ADM-201) credential.
• Prior experience leading an nCino implementation at a community or regional bank.
• Familiarity with core banking platforms (e.g., Jack Henry) and integration patterns.
• Experience with Power BI or Tableau for financial and credit portfolio reporting.
• Familiarity with CECL modeling, loan loss reserve reporting, or credit stress testing.
