Credit
Regulations
Deposit Products
Management
WTB Facts
100
Name 3 of the 5 C's of credit
Character Collateral Capacity Capital Conditions
100
Name the regulation that governs holds.
Reg CC
100
As of 12/1/16 Smart Business Checking Account customers will be charged $8 for using the product and services provided. How can the customer avoid this fee?
This fee will be automatically waived by maintaining a $1,000 average ledger relationship balance in a checking, savings, money market, certificate of deposit, or active loan. Relationship balance eligible accounts must have the same primary owner within the same business customer relationship.
100
Your awesome FC has done a great job of cross-selling products during the quarter to customers. There are 9 different types of products that have to be entered and approved in Synapsys before he/she can get incentive credit. Name 4 of them.
Consumer and Business Credit Cards BaZing Add-On HELOC Renewal/Requalification Wealth Management Referral Investment Services Referral Commercial/Private Banking Loan Merchant Services Cash Management Product HLC Loan Purchase
100
In what year was WTB established?
1902
200
What is the interest rate on WTB's Visa Signature and Platinum cards? (hint: they are both the same)
Prime + 7.99% (0% for the first 6 months)
200
This regulation is known as the Truth in Savings Act.
Reg DD
200
Give the monthly base fee for each of these products: 1- Simplicity Checking 2- Twist Checking 3- Preferred Checking 4- Signature Checking
1- $3.00 2- $6.00 3- $8.00 4- $20.00
200
This year Branch Managers will be goaled and incented on Net Core Customers. What are the 3 criteria for a customer to be considered a core customer and how much is the bi-annual incentive?
1- Customer is primary on the account. 2- Account is a checking account. 3- Account has had a transaction in the past 60 days. $1000 bonus for a positive (+1) net core customer total at the end of Q2 and Q4.
200
How many retail branches does WTB currently have?
43
300
What is the max dollar amount on WTB's HEA product?
$150,000
300
This regulation helps with Trust in Lending compliance.
Reg Z
300
Name 4 benefits of Twist
Personal Identity Protection Payment Card Protection Identity Restoration Cell Phone Protection Travel Accidental Death Insurance Coverage Roadside Assistance Health Savings Card Merchant Discounts
300
What percentage of the workforce know about their company's goals, strategies and tactics? (give or take 3%)
40%
300
How many people does WTB currently employee (within 15)?
934
400
Your customer signed loan docs today (4/27) for his new HEA. He is anxious to have access to his funds. When will the LOC be available to him?
Tuesday 5/2/17
400
This act governs loans to executive officers, directors and principal shareholders.
Reg O
400
Name 4 features (capabilities) of WTB mobile.
• Balance Inquiry • Account Transfers • Transaction History • Bill Payment • Manage cards (suspend or report your debit card stolen) • Location lookup for WTB Branches and ATMs • Deposit a check • Receive alerts
400
According to Dale Carnegie, what percentage of employees are "fully engaged"? (give or take 5%)
29%
400
How many WTB employees serve on boards and volunteer at organizations in our communities? (give or take 10)
333
500
Give the minimum payment for each of these products: 1-HEA credit line (draw period) 2-Consumer Credit Card 3-Personal Line of Credit
1-Interest Only 2-3% of the balance or $10 - whichever is greater 3-2% of the balance
500
This regulation enacted the S.A.F.E. Act and registration of residential mortgage loan originators.
Reg G
500
What is the monthly fee for WTB's Health Savings Account and what 2 things trigger a refund of the fee?
Fee - $4.00 per month Refund given for e-statements or $1000.00 average ledger balance.
500
What percentage of employers believe their employees leave for more money? What percentage actually do? (give or take 5%)
89% of employers believe employees leave for more money while only 12% actually do.
500
During the Fall meeting at Northern Quest Casino, WTB rolled out Watrustology. Discussed were 4 pillars that make it up. Name the 4 pillars.
Wisdom Vision Passion Strength
M
e
n
u