Behavior Expectations
What is the minimum number of Caring conversations (CCGs) each teammate should complete daily / weekly?
Three daily / 15 weekly
Name 6 specific types of solutions that impact our lending portion of P2P?
Consumer & SB credit cards
Consumer & SB unsecured loans or lines
Consumer & SB auto loans
Home Equity lines of credit
Personal Lines of Credit
RV, Boat / Marine, Motorcycle loans
What account types impact our Deposit Growth on P2P?
Checking accounts, Money Market & Savings accounts both Retail & Small Business, CDs and branch opened IRAs
Which of the following is a client not able to do via digital banking?
Manage their debit card spending limits and the 5 geographic regions their debit card works in, block or unblock a debit card, dispute transactions request a new debit card and track disputes status.
A client can only set 3 geographic zones for their debit card
True or False; the center receives any applicable shadow credit for all solutions create by the Premier Partner?
True
Based on the behavior scorecard; what is the minimum expectation for leads execution?
90%
What is the current HELOC promotional offer?
A promo rate as low as P - 1.51% for the first 9 months on lines of at least $15,000
What are the balance requirements for levels 2,3,4 & Premier of Truist One?
Level 2 - $10,000 to $24,999.99
Level 3 - $25,000 to $49,999.99
Level 4 - $50,000 to $99,999.99
Premier $100,000+
What are the standard Zelle limits for the following 3 groups?
A. Youth
B. Consumer
C. Small Business clients?
Youth - $500
Consumer - $2,500
Small Business - $5,000
What is the required total cash or investible assets a client needs to have at Truist or be open to move to Truist to engage with our Premier partners?
$250,000 to $2 million
What is the minimum expectation for scheduled appointments per week?
20 per RB / SRB
A client currently rents, has $2,000 in assets and owes $7,000 on a 2023 vehicle that is worth $20,000.
They are looking to to pay off $10,000 owed on multiple credit cards and do not want a new credit card. Name two solutions we can offer to the client to assist them in accomplishing this goal?
A $10,000 personal loan to consolidate the debt.
Establish a $17,000 auto loan to refinance the current loan and payoff the credit cards
How many no-fee non-Truist ATM transactions does a client receive monthly at stages 2,3,4 & Premier on Truist One Checking?
2 - One
3 - Three
4 - Five
Premier - Unlimted
True or False: The following are all benefits of using digital / online banking.
Adds security by utilizing e-statements, Clients can receive notifications for important online account changes occur, can receive balance and transaction alerts, can access 8 years of statements and can combine business and personal profiles to see all accounts through one Used ID.
False. A client can access only 7 years of statements.
True or False; Both branch teammates and Premier Bankers can process the Personal Line of Credit application?
False - due to a system update delay currently our Premier Bankers need to process these requests. Expected resolution is with the June update to allow branch TMs to also handle these requests.
What is the minimum expectation for credit applications per week per teammate?
1 credit app (loan or credit card) per teammate
For auto requests, there is a resource available to us that lays out the maximum LTV, DTI and provides other parameters for auto loans on a 1 page document. What is the resource called or where is it located?
Its is called the Dealer Financial Services (DFS) Auto Playbook and the link to it is on the Auto loan page within TASK
What is the credit card loyalty cash bonus earned at all 5 levels of Truist One?
Level 1 - 10%
Level 2 - 20%
Level 3 - 30%
Level 4 - 40%
Premier - 50%
What are the 5 digital services that feed into the Digital Empowerment portion of P2P?
Online Banking, Mobile Banking, Zelle, Mobile Check Deposit, E Statement.
What relationship amount is required for a client to qualify for the Truist One Premier level benefits?
$100,000
The branch phone should be answered within how many rings?
3
For an unsecured personal loan, at what loan amount must a client provide verification of dollar for dollar liquidity as a loan requirement?
What is the maximum term available for a $20,000 risk grade 1 personal loan?
$30,000 or greater loan amount requires asset verification and the max term is 84 months or 7 years.
What are the requirements to avoid a monthly service charge on the following accounts?
Truist One Money Market?
Truist One Checking?
Truist One Money Market - Maintain a $15,000 or more daily balance
Truist One Checking -
$500 in qualifying direct deposits
$500 combined balance between Truist related accounts
Have a Truist credit card, mortgage, consumer or Lightstream loan
A Small Business account
Be under the age of 25 or 62 and older
What are the mobile check deposit monthly limits for a client with a Truist relationship 3 months or greater? (Need to provide retail, Small Business & Premier)
Retail $15,000
Premier $50,000
Business Clients $100,000 ($30,000 daily)
A client has a $50,000 relationship with us and is interested in discussing potential investment account options for their retirement. Through your CARES conversation you uncover they also have $200,000 at another institution. The client states they are undecided about moving those funds to Truist. Do you refer the client to CAC or Premier?
Premier - Because they have the assets to qualify for Premier and have not ruled out moving the funds to Truist and want to hear options you should engage your Premier partner initially