Extensions
If a member requests an extension longer than 90 days, who must be contacted?
A Member Solutions Advocate.
If a credit card shows a $0 monthly payment on the credit report, what is the best practice for adjusting the payment amount in liabilities?
What is calculate 2% of the balance and manually adjust the payment?
This river forms part of the border between Texas and Mexico.
What is the Rio Grande
If the vehicle being purchased has a lien, what document must the seller provide in addition to their registration?
A payoff letter or statement showing the payoff amount.
What is a required note when providing a Counter-Offer decision to a member?
A internal comment stating member accepts offer
When processing a credit card extension for a delinquent account, what must you review to determine how many months the member is past due?
The member’s statements in OnBase under Summary of Account Activity and Payment Information.
or
Credit Card all in one in Episys
or
Reach out to CC dept in a live ellie chat
When a member applies for a credit line increase on an existing Suncoast credit card, why should the current line be excluded from liabilities?
What is to prevent double-counting the existing limit and the new request, which would make DTI, UDR, and disposable income incorrect?
This U.S. state has the most coastline.
What is Alaska
When closing in a branch, approximately how long should members expect the process to take once a lending representative is available?
1–2 hours.
Name the four items that must match both membership and applicaition when completing an applicaition
* SSN
* Name
* Address
*DOB
Before submitting a consumer loan extension request in M3, what must you check to ensure there isn’t already an extension in progress?
The Loan Extension Dashboard in M3.
When reviewing if MLA needs to be updated, what two dates should you compare?
What are the Application Created Date and Credit Ordered Date?
This board game was originally called “The Landlord’s Game.”
What is Monopoly
What alternative option can a member choose if they are uncomfortable with the private party purchase turnaround time?
Pay cash or do a signature loan, then complete a cash-out refinance once the title is clear.
What is a required note when completing a Credit Card Application?
Member advised of change to variable rate and agree to change.
For an indirect loan, what condition must be met before processing an extension request, except for due date changes or adding auto pay?
The first payment must be made.
Joint applications require what specific condition for sending documents?
What is two different email addresses
This was the first full-length animated Disney movie.
What is Snow White and the Seven Dwarfs
When handling an out-of-state title where the seller cannot come to the branch, what two documents must the seller sign?
A Bill of Sale and Power of Attorney (POA).
A member is asking questions regarding Signature loans and states " My credit score is a 650 what is the interest rate? " What interest rate(s) do you quote?
As low as rate and as high as rate only
If a credit card is delinquent by 60 days and the member is approved for a 90-day extension, which payments will the extension apply to first?
The oldest missed payments (January and February) and then the current payment (March).
If a member has three or more inquiries in the last six months, what should you determine before underwriting?
What is whether any inquiries resulted in new obligations and manually add them to liabilities if needed
This spell is used to disarm an opponent.
What is Expelliarmus
What are the three most critical pieces of information required to start paperwork for a private party purchase?
On web applications what must be completed prior to underwriting and processing?
What is the Fraud Review Stip