WHO YOU GONNA CALL
Member comes in having a locked account and says they have no knowledge of what could have caused it. After asking further questions you find out they started a new job and deposited a check that look suspicious.
FI- they're going to have questions about the money that went into the account
What is your daily cash drawer limit?
Top drawer 3000
bottom drawer (if offline) 5600
Where can we find the current interest rate of a members HELOC?
In the tree under loan ID
The member received a knockoff Gucci bag when the description claimed it was authentic.
What is a merchant issue?
Where do we keep robbery packets?
At every workstation
A member comes in stating they need to make a payment on their loan, and they inform us that they have been working hard trying to get current on their payments. A warning pops up when you try to get into the account, who you gonna call?
ACD 8989
What is the difference between NCUA and FDIC
National Credit Union Association- coverage for Credit unions up to 250k per social
Federal Deposit Insurance Corporation- coverage for Banks up to 250k per social
What is the difference between fixed and variable lines?
Fixed line is talking about interest rate that does not change with the prime rate as it fluctuates, it also is for a specific amount of at least $5k and the monthly payment goes towards principal and interest.
Variable is when the line is set to move with the prime rate and can change at any time. Members can draw at any time and monthly payments made will be of interest only. To pay on principal they must pay more than the min monthly payment.
The member is stating they tried to do a withdrawal at the ATM and never received the cash but see’s the transaction in their online banking.What is an ATM issue/malfunction?
What is an ATM issue/malfunction?
How do you handle a member asking about investment products
Send a referral to Numerica Financial Services
A member slips you a note, it reads: "Give all your money to me, do not make a scene" Who do you call and when?
After he leaves, call 911, then call Matt Davis.
When do you quote APY and APR
APY- when quoting interest rates (it should be the first one said)
APR- when quoting loan rates
For bonus points: How do you quote rates? Please state both
How long is credit good for a HELOC application?
120 days
A member came in saying they realized the charge they marked as fraud was in fact something they had authorized.
What is submit an MRM session to withdrawal the dispute?
Who is the most amazing ABM?
Nancy Castillo!
Member has questions regarding their loan and are wanting to get some documents from previous loans as well for their divorce.
Loan maintenance 8383
When can we talk about home loans and HELOCs
When you have your NMLS
How do you quote a HELOC rate?
You don't unless you have a NMLS
A member came in to report they lost their card and they don’t recognize a transaction that is currently pending.
What is an unauthorized issue?
Who is the boys
Jhovanna's dogs
Sherry wanted to make a deposit, but she says she hasn't done anything for over a year on her account. A warning pops up? Who you Gonna Call? ACD 8989, Branch Ops 4357, Payment 8383, 911, or help is for suckers?
Help is for suckers. Do it Yourself
What is the SDB combo?
I don't know, we open it in dual
Where do we find extra brochures of the HELOC checklist?
Numerica Shop-Noogle
A member came in stating they made a hotel reservation that was supposed to have a jacuzzi tub, but when they arrived it only had a shower.
What is a merchant issue?
Who is Luna
Sharlee's cat