Credit Cards
What are the credit card solutions we offer? What are the key benefits?
Cash Rewards Visa
Core Visa
Points Visa
Premiere Traveler Visa
Secured Visa
-overdraft protection, rewards options, fraud security
What are some key indicators a client may be a qualified investment referral?
-TIME
-INTEREST
-MONEY
-recently sold home
-recent job change
-retiring soon
-passing of a relative
-3-6 months of savings available
What are the consumer lending options available for clients?
Auto lending products
Home equity products
Personal lending products
Student lending products
Why do we have the Branch queue?
To assist our clients in managing their time and allow them to bank when they want
To manage the staffing of our team
To mitigate the risk of fraud
What should we do before sending a business referral?
-Identify the need (VPA cannot open business accounts or business loans)
-Check the coverage team so the referral is routed to the appropriate person
How can clients put in an application for our credit card?
applications can be taken in branch, online and by phone
clients must be 18
a paper application is required for applicants under 21
How do we get the client in contact with Jack?
-Enter referral in Edge
-Call Jack while client is in the branch
-Encourage client to setup appointment
-Have Jack reach out to client
When might a personal loan be a good solution for the customer?
-home improvements
-debt consolidation
-vacation
-other purchase or obligation
Explain the steps we take when disposition outcome of appts.
Start in Genesis-Conduct Appt Results
Deliver Insights
Swivel to Edge
Disposition In Edge
If the branch manager is not in the branch to open a business account, what should we do?
-try to setup an appointment
-if appointment is not an option, call the BOSC and set up follow up appointment with business banker
What are the benefits of our Premiere Traveler card?
Card features
If a client comes into the branch asking about student loan options, where should we refer them?
-can contact the student lending department by phone and place referral
-should refer client to pnc.com to put in an application
-client can put application in by phone, but must schedule an appointment with student lending rep
If a client pays off their loan early, is there a prepayment penalty?
-if a client pays off and closes their Home Equity loan before 36 months, they must repay the fees covered by PNC at a prorated amount
If you receive and error for printing a debit card, what should you do?
ASK FOR HELP, do not go right to service browser
once a request for new debit card is in Edge, we can resume the card printing in service browser.
What are some key indicators to refer a business client to Stephen Sherman (our Virtual Payment Advisor)?
-business deposits many checks daily/weekly (scanner)
-business client does not accept credit/debit cards(merchant services)
-business client frequently processes wires (PINNACLE wires)
-Cashflow Insight
How can clients setup auto pay to their credit card accounts?
Customers may request to automatically pay their PNC credit card each month. There are two options to do this:
When do we get a client in contact with a mortgage specialist? What are some opportunities?
-looking for preapprovals, first time home buyer, refinances
-requesting statement copies for mortgage
-when taking credit application, do they have mortgage, own or rent?
-transaction history has mortgage payments (possible refinance)
What do we need to know before entering an application for an auto loan?
-is it a lease, a refinance, purchase from dealership or purchase form private party
-do you have a vehicle picked
-year of the vehicle (cannot be older than 8 years)
-mileage of the vehicle (cannot be over 80K)
-is the title branded? (salvaged or rebuilt)
-amount of the vehicle
Where do we go to maintenance Online Banking? And what maintenance is available?
Service console in Edge
We can:
-unlock online and voice banking
-reset layered security
-reset one time passcode
-close and restrict the customers online banking and/or bill pay
-mail user id, password, and PIN
-a feature that business clients have through online banking that will allow them to pay vendors or employees and also receive payments from their clients (ACH)
-review transaction history for Quickbooks and Intuit
-see clients issuing a lot of paper checks
-see a lot of ACH transactions
Where can we find sales tools and calculators for our credit card solutions?
-Consumer Credit Card Resource Page
-Sales tools and calculators
How do we identify a client need for AMG or Private Client Group? Who do we contact?
-$1 mil in investible assets
-gross annual income is $250K or more (individual or household)
-Mortgage value of $1mil or more
-$3 mil net worth
-commercial clients automatically qualify
-Philip Attardi or Krista Donegan
What are some opportunities for recommending a Home Equity Line of Credit?
-Spring is almost here! time for home renovations
-setting up an emergency fund
-debt consolidation
-refinancing mortgage without paying closing costs and points
Where can we print statements consumer credit cards?
Edge!
select the credit card from accounts list
select documents from the options
click the hyperlink to the date of the statement and print PDF
When would we offer business credit card to our clients?
-multiple employees have debit card access
-there are debit card transactions in history
-client does not have business credit established
-frequently purchases parts/equipment/merchandise