Team
Policy
ECR/Overrides
Slack trivia
Miscellaneous
100
What are the Melbourne Credit team fixed office days?
Monday + Wednesday
100
What shading is applied to standard residential rental income?
75%
100
What does ECR stand for?
Extra Care Required
100
What are the two animals on 'Australia’s Coat of Arms'?
(29 July daily message from The Credit Hub)
Kangaroo and Emu
100
What DLA do you need to obtain to complete SE assessment?
3
200
Who were the top 3 from our first lunch-time competition (Chess) this year?
1. Jas (had to flex)
2. John G
3. Krutik
200
What is the minimal new loan and PIA amount/s (without product approval)?
New loan - $150k
PIA - $25k
200
Correctly categorise the below into within policy, ECR or override:
Paid non-financial defaults less than or equal to $500 with a satisfactory explanation
RHI Status = 1 MRG A with valid explanation
Rental income statement or real estate agent’s estimate > 90 days old
Paid non-financial defaults less than or equal to $500 with a satisfactory explanation: Within policy
RHI Status = 1 MRG A with valid explanation: Within policy
Rental income statement > 90 days old: Override
200
What is the most viewed YouTube video of all time?
(31 July daily message from The Credit Hub)
Baby Shark
200
Name the 4 DLA 5 holders in VIC Credit
Chris + Geetu + Mo + Dave
300
What are the team names for all 5 VIC credit teams on the leaderboard?
Jas - Assessinators
Neha - Credit Wizards
Ayendri - Loan Wolves
John - Risk Busters
Deneka - Team MRG A+
300
What are 5 different 'Income Type's' under the PAYG section of policy?
Base Income
Casual Income
Second Job
Overtime non essential
Overtime Essential
Commission and Bonus
Car Allowance
Shift Allowances
Other Allowances
Tax Free Income
Parental Leave Income
LSL
300
Correctly categorise the below into within policy, ECR or override:
$800k Cat 2 property at 82 LVR
$9m Cat 1 property at 65 LVR
Payslips do not show details of the salary packing or tax-free arrangement
$800k Cat 2 property at 85 LVR: Override (750k cap)
$9m Cat 1 property at 65 LVR: Within policy ($10m cap)
Payslips do not show details of the salary packing or tax-free arrangement: Override
300
What are the definitions for the following Aussie Slang as per Sanjana's weekly post (last week July):
- "Shonky"
- "Rort"
- "Arvo stomp"
- "Shonky" — dodgy or unreliable
- "Rort" — a scam or dodgy scheme
- "Arvo stomp" — a post-lunch walk to beat the 2pm slump
300
Which member of our NSW Credit team hit their 20 YEAR anniversary at Macquarie this month?
Jim Bourdakis
400
Who were the TL's for all the current VIC TL's before they moved into their current roles (when they were CA's)?
Deneka - Jas was TL
Jas - Neha was TL
Neha - John was TL
John - NA (hired as TL)
Ayendri - Ash was TL
400
What are the property limits for each CAT at an LVR between 70 and 80?
CAT 1 - $5m
CAT 2 + 3 - $1.5m
CAT 4 - Outside of Policy
400
Correctly categorise the below into within policy, ECR or override:
Waiving the prior financial year income evidence requirement where YTD is held for 5.5 months for casual/contractor.
5 to 6 dwellings in the one development (not exceeding 25% of total dwellings in development)
DTI 7.5 MRG A 70 LVR
Waiving the prior financial year income evidence requirement where YTD is held for 5.5 months for casual/contractor: ECR
5 to 6 dwellings in the one development (not exceeding 25% of total dwellings in development): Within policy
DTI 7.5 MRG A 70 LVR: Within policy
400
What was the world’s first country to use polymer technology for it's banknotes?
(12 May daily message from The Credit Hub)
Australia
400
What are the current point totals for the teams on the 'Leaderboard'?
(need 3 teams out of 5 exact current totals to get the points)
Assessinators:
Credit Wizards:
Loan Wolves:
Risk Busters:
Team MRG A+:
500
Name 3 members of the Melbourne credit team that celebrated their birthday in July
(Must have at least 2 answers/names from outside your team)
Hayden Braid 
Adam Galante
Anita Harish Menon
John Carnibella
Jamie Torcasio
Sally Gonzalez
500
What are the 3 instances where Independent Legal and Financial advise is required?
All borrowers 70 years old and over
All non-English speaking borrowers.
All guarantors with the exception of: Directors of company borrowers where IFA is not required (personal guarantees and ILA still required for directors of company borrowers)
500
Family court maintenance - 4 months of consistent payment evidenced via the borrower’s bank account statements
Shortform valuation for $5m Cat 3 60 LVR Property
One tax return held where verifying non PAYG foreign income
Family court maintenance - 4 months of consistent payment evidenced via the borrower’s bank account statements: ECR
Shortform valuation for $5m Cat 3 60 LVR Property: Within policy
One tax return held where verifying non PAYG foreign income: ECR
500
How many feature films has Christopher Nolan directed?
(24 July daily message from The Credit Hub)
13
500
Spell the last name for our current CEO (Shemara) at Macquarie
Wikramanayake