Compliance
An applicant has Both Ft Job and Rental Income. These Income are known as what under the list found in Income Handling and Verification (ACQ): DPL Procedure
What are eligible/acceptable forms of income sources
When documents are the only thing left to be requested, this has to be stated to the PA
That they are conditionally/contingently approved pending the verification of requested documents/what you are requesting.
This is the new model of call reviews that QMS is using as of today.
What is T.R.U.S.T
This is the name of the teams group chat.
What is Harp's Symphony
This has to be verified before acknowledging the present of an application or discussing any specifics of application with the PA.
What is Providing pa first and last name along with either one: full date of birth or last 4 of ssn and verifying it matches.
This has to be offered as an option when Cash Flow verification is requested.
What is utilization of the Equifax snapshot tool
When does an agent work eCBSV disclosure? And is it required.
After the pa has agreed to moved forward with the loan and is worked before doing the Hard pull and PA must agree to it in order to move forward with the loan
One of these two question in dpla floor chat is commonly asked throughout the day
What is the call queue or edoc
You are unsure of the word and spelling when PA provide you their address. You want to do this to avoid this defect.
What is ask the pa to repeat themselves and verify the spelling of the address in order to make sure information is gathered correctly.
False a work email must be asked for if pa is employed FT or PT
Someone calls in requesting not to be solicited going forward. What do you do
agents will need to Warm transfer callers to Discover Card - Credit Operations New Accounts for handling of all Non-Solicitation Requests (NSR).
These are the next upcoming days that DPLA will be closed. Name one
What is thanksgiving and or christmas
When presenting the offer, all these have to be stated and as what.
you must include the term, amount, estimated APR, and estimated payment.
This talking point has to be provided when Pa requesting to change the loan amt.
Advise that changing the loan amt can have an impact in the decision and or terms of the loan and could result in a final decline.
When working CBR Misc/Fraud alert during the soft pull, It can only be worked when?
Only after making the offer AND working any SMU RR
What is a famous line from the movie shrek when the gingerbread man is held captive and is being interrogated?
Do you know the muffin man?
Is this disclosure correct and if so name what is wrong: "With this loan request, you understand and agree that you are authorizing Discover Personal Loans to receive and exchange information about you from one or more credit reporting agencies, such as TransUnion, Experian, and Equifax. This loan is intended for personal use and cannot be used to pay for post-secondary education, to pay off a secured loan, or to pay off a Discover credit card. To be considered you must have a minimum individual or household income of $25,000, be over 18 years of age, and have a valid US SSN. Do you wish to continue?
Disclosure is not correct. Missing the word Directly pay off a discover credit card and added "a" to before minimum individual
Per invalid Physical address RR, If address under USPS comes up as commercial mail receiving agency field=N, then this must be done next to avoid defect.
What is look up the address via google maps to determine if physical address is validated.
When working CBR Misc Fraud Alerts if all CBR's with Fraud Alerts have the same number on all of them and a cbr has another number on there as well as the sam number across all cbrs, what is the number that is called
What is only reaching out to the number that is consistent between all the CBRS
Who is cecilia