Which feature in nCino helps banks assess credit risk?

The feature that helps banks assess credit risk is the credit risk assessment tool. This tool is specifically designed to analyze the creditworthiness of borrowers by evaluating various factors such as credit history, income stability, debt levels, and overall financial health. By utilizing this tool, banks can make informed decisions regarding loan approvals and the terms associated with those loans.

The credit risk assessment tool is vital for financial institutions as it provides a systematic and data-driven approach to determining potential default risk, which is essential in maintaining the bank's overall financial stability and ensuring responsible lending practices. This assessment enables banks to categorize borrowers appropriately and tailor their lending strategies accordingly, improving both customer service and financial outcomes.

The other options, while relevant to the banking process, do not specifically focus on the assessment of credit risk in the same comprehensive manner as the credit risk assessment tool does.