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nCino vs Moody’s spreading — and where SecureLend sits
Two incumbents. One owns origination. One owns spreading. The memo still needs an analyst.
nCino is origination and the book. Moody’s (and similar spreading tools) own financial statement spreading.
Neither is a cited underwriting memo with fail-closed connectors and a named human on the decision.
SecureLend can sit next to both: keep the book, keep the rating feed if you have a key, walk the file here.
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