Systems
These two codes can never be used without notes and an UM approval.
What is SUPC and ACCT?
A bust out is this type of loss for Citi.
What is true credit abuse fraud?
Character, Capacity, Capital, Collateral and Conditions.
What are the 5 C's of credit?
I am expected to log into this at the start of my shift.
What is the Credit Assist/Coach IM?
Don't make mountains out of these.
What is a mole hill?
This goal is expected for the Coach Log.
What is 80%? Although we do expect you to log 90% to 100% of calls.
Any DTI over this amount will require an UM or UW for an approval or a counter.
What is 75%?
In order to qualify for a CSA increase you must have this for two consecutive quarters.
What is 5 points?
Requires the checker/maker process.
What is Citi Screening?
This will lead to positive outcomes.
What is a positive attitude?
This type of communication should only be used for business purposes.
What is external email?
Coach will be required to get approval from UM/UW on these type of accounts that have a Bankruptcy if approving or countering over the system recommended amount.
What is SPG and BBY? THD is our only partner that Coach is able to approve above system rec with a bankruptcy.
We can use this technique when taking an escalated call.
What is H.E.A.T.?
Anything that is over your lending is logged as this in the coach log.
What is a 3rd review?
Natalie is not this type of manager.
What is micro managing? Natalie is an amazing manager. She will not micro manage you as she expects you to be self sufficient, behave as an owner and be accountable, along with many other characteristics that we have discussed.
When verifying employment we have the option to use this system and we are not able to verify these types of employment in this system.
What is TALX and What is self-employment.
When a customer combines a true name along with someone else's SSN and address.
What is synthetic fraud?
If this happens you may be in jeopardy of either losing your CSA or having it decreased.
What is 10 or more points within two consecutive months?
We use this Canada system when needed but we are required to use this system for all request that are over $25k.
What is Teranet?
This is one of the most important traits while interacting with a agents.
What is Patience?
We log these type of calls on the Coach Log.
What is ALL calls? This also includes IM's as well as calls. All communication that is coach drive will be logged on the coach log.
Tarzana, Van, Nuys and Glendale all may indicate this.
What is a bust out? Also known as credit abuse and remember we should NEVER note 'bust out' on the application/account.
We always need to check for other accounts on this type of portfolio.
What is The Home Depot?
This has been identified as a new tactic being used by a potential fraud suspect where they are attempting to get around our ANI Match protocol.
What is AHS BOLO?
This partner does not require a judge review on new applications.
What is Sears?