How are user roles and permissions handled in nCino?

User roles and permissions in nCino are managed through customizable settings that allow organizations to determine specific access levels and functionalities tailored to their users' needs. This flexibility is crucial for maintaining security and ensuring that employees only have access to the features and data necessary for their job responsibilities.

Organizations can define roles based on functions such as loan officers, underwriters, or administrators, setting distinct permissions that enable or restrict access to particular areas of the platform. This customization helps ensure regulatory compliance, enhances internal controls, and supports operational efficiency, as each user interacts with the system in a way that aligns with their unique responsibilities.

The other choices do not accurately reflect how nCino manages user permissions. Fixed access levels do not provide the necessary flexibility in an evolving banking environment, while a universal access setting would pose significant security risks. Additionally, making all functionalities available to everyone would undermine the principle of least privilege, which is a best practice in access management.