General Product Knowledge
How many voice mail can we leave at the home phone number of the customer per day?
1
What are the basic qualifications to apply for a loan online
A job or a regular source of income
A valid bank account in good standing
A valid contact details
Age of at least 21
____________ is a close and harmonious relationship in which the people or groups concerned understand each other's feelings or ideas and communicate well.
Rapport
Analyze: How can we proceed with the loan?
Date of application: February 28,2019
02/15/2019 - Direct Deposit
02/01/2019 - Paper Check
01/18/2019 - Paper Check
Proceed as usual. Strong Exception is not applied because the most recent direct deposit is an actual Direct Deposit.
What information cannot be found on the One Click File?
VOE Phone Numbers
Elements or words that you need to mention when providing the VA to the customer
Final Review
prorated, fixed amount and other charges i any
clear "Yes"
You cannot provide the Verbal Agreement to the customer UNLESS
Customer has signed the Loan Agreement
We can give loans to customers with an overdrawn available balance of over $200.00.
TRUE, if the loan calculator says the customer is still eligible for any amount despite of the negative balance.
Leads are important to the portfolio because
They are potential Loans.
Customers are waiting for help
Other companies can get advantage and take the loan from us
We purchase them.
What are the keywords that you need to mention when providing EPO
Default Payment
Fast Pay
Pay In Full
In banking, ___________ is the detailed credit analysis preceding the granting of a loan, based on credit information furnished by the borrower, such as employment history, salary and financial statements; publicly available information, and the lender's evaluation of the borrower's credit needs and ability to pay.
Underwriting
Analyze: What information is needed to complete the loan?
Date of application: July 31, 2018
Payroll Deposits:
07/31: $682.39 EB: $700.36
07/17: $1369.36 EB: $112.36
07/03: $1396.36 EB: $145.63
Strong VOE
What are the 7 Compliance Related Process of All Portfolios
OMD
Authentication
Mil Questions
EPO
APR
VA
Third Party Disclosure
The maximum loan amount we can offer to a new customer without a DL is ___________.
975
What are the applicable scenarios wherein Decision Logic is mandatory
Loan is more than $1000.00
The loan was previously denied due to open loans.
Account has limited ACH debit/credit.
Customer is really upset and wanted to talk to a supervisor, mentioned that he is fraud victim and wanted to complain to CFPB.
To whom you will transfer the call?
Resolution Dept
Analyze: What information is needed to complete the loan?
Date of application: March 8, 2019
Payroll Deposits:
02/22: $412.36 EB: $123.63
02/15: $562.36 EB: $112.36
02/08: $456.63 EB: $145.63
Application will be denied