FinTech SaaS · nCino
Draw Schedules
Enabling relationship managers to factor loan draw schedules into price optimization and profitability calculations for construction-to-permanent loans.
Role
Lead Designer
Team
Designer, PMs, Engineers
Company
nCino
Type
Feature Design
The Problem
When a Relationship Manager calculates the price or profitability of a loan, the result is a singular percentage value that affects the entire amortization schedule. But that's not how construction loans work in the real world — funds are disbursed in draws over time, not as a lump sum.
Many banks were handling draw schedules in external software, which created a gap in nCino's "all-in-one" product positioning. Bringing this capability in-house meant keeping relationship managers in one tool and improving calculation accuracy.
Research
I conducted four 30-minute remote user interviews with relationship managers across different financial institutions. Sessions combined structured questions with contextual inquiry — observing how users currently handled draw schedules outside of nCino.
Findings were synthesized into feature journey maps that showed how the new capability would integrate with the existing loan pricing workflow.
Design Process
I explored two wireframe concepts and ran A/B testing to determine the right interaction pattern:
Concept A — Modal
Integrated draw schedule editing within a modal, consistent with existing Rate and Payment patterns in nCino.
Concept B — Slide-out Panel (Selected)
A persistent slide-out panel allowing users to edit draw schedules while keeping the main loan view visible. Users strongly preferred this for the ability to make quick back-and-forth edits without losing context.
Outcomes
The Draw Schedule feature shipped successfully, giving relationship managers the ability to add single and recurring draws, edit schedule tables, and remove schedules entirely — all within nCino.
The next phase of work involves building Draw Templates for frequently-used schedules, reducing setup time for relationship managers who work with common loan structures.