Independent Banker - November 2022 - 66

critical. " You go through all these
different platforms, and everyone
has an opinion, " says Pierce. " Some
companies' platforms didn't make
sense. Some of them, I liked some
parts but didn't like the others. But
when it came to nCino, it was just
like a perfect match, meaning that
the way they designed the platform
was very, very similar to how our
workflow and how a commercial
bank operates. "
Loving felt the same way about
Teslar's work ethic and customer
care-which was very much in line
with Pendleton Community Bank's
culture. " They had the same value
of customer service and making
sure that they delivered what they
promised and made sure that
it worked. "
" That was evidenced through
Billy Yarborough,
nCino
PPP, " adds Pendleton's SVP and
chief credit officer Josh Byers. " They
provided a vehicle to allow us to
get the product to the customer,
and they worked days and nights,
as many bankers did across the
country. They were right there
in lockstep. "
" If [bank leaders]
can deliver the why
of why we're making
this big change and
why we're doing it
now, then ultimately,
[it results in] much
better adoption and
user experience. "
-BILLY YARBOROUGH,
NCINO
asks. " How are they going to not be
stagnant going forward as technology
advances? What's the partner doing
to advance alongside it? "
Pierce of Leader Bank, itself a
young, technology-focused company,
took note of the fact that nCino was
investing in future technology and
over the years has been impressed
by the company's flexibility, which is
a shared core value. " They've really
taken feedback from the people who
use their software to tailor it, " he
says. " If we say something doesn't
add value to our bank, they take
things back and change them. "
Look for a cultural fit
In the case of Leader Bank,
finding a partner that was able
to pivot and execute quickly was
7
66 Q ICBA Independent Banker Q November 2022
8
Be honest
When it comes time to
start a discussion with a
prospective technology partner,
says Yarborough, honesty really
is the best policy. " Be open about
your struggles. Be honest about the
challenges that you're facing. "
Ehrhardt agrees. " When you're
buying a product, " he explains, " you
are not always as open and honest
about your challenges, because you
don't want the other side to feel
like you're desperate. So, we get a
poker face. "
It's that poker face that stops the
fintech from fully understanding
the company culture. Once the
contract has been signed, the
poker face vanishes, and it's only
then that the fintech partner fully
understands what they are dealing
with. As a result, says Ehrhardt,

Independent Banker - November 2022

Table of Contents for the Digital Edition of Independent Banker - November 2022

Table of Contents
Independent Banker - November 2022 - Intro
Independent Banker - November 2022 - Cover1
Independent Banker - November 2022 - Cover2
Independent Banker - November 2022 - Table of Contents
Independent Banker - November 2022 - 2
Independent Banker - November 2022 - 3
Independent Banker - November 2022 - 4
Independent Banker - November 2022 - 5
Independent Banker - November 2022 - 6
Independent Banker - November 2022 - 7
Independent Banker - November 2022 - 8
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