Lending
CASR
What department
Limits
General Knowledge
100
What do you enter in Appro when No Rent is claimed?
Enter $500 minimum for rent (Rent Rule)
100
What does C.A.S.R stand for?
Consumer Account Servicing Request
100
Where department do we send our nightly work to?
Records M/S 1079-2
100
What is the Limit for an A Tier member that gets Auto-Approved for a Visa?
$25,000
100
What is BECU's routing number?
325081403
200
If a member states that they only pay $400 in rent, what do you enter in Appro?
You enter the actual amount claimed.
200
When a member comes in to make a change to his account and the address, drivers license, phone number has not changed, are we allowed to write "On File" in the space so we don't have to write that information down on the form?
No. See Infopint Article "Forms Completion" Do not use “On File” for any forms. BECU must verify and collect accurate and up-to-date contact information on all of our members, to ensure compliance with our Customer Identification Program (CIP) as well as to ensure that we can reach our members as needed (Falcon, PSCU, Loan Loss Management, etc. will need this information). As BECU employees we must do our diligence to ask members every time to verify that the information we have in front of us (In Member View/ OSI) is correct and up to date. Use the following process any time you need to update a member’s information. If you have validated the information BECU has on file for our member is accurate, do not write “On File” under each account holder section. Each account holder section must be complete. If one signer is not present at the time of form completion: • Encourage the present signer to complete as much information as possible for the absent signer. The expectation is that a joint account holder will know most basic information about the other person on their accounts. • Please see Accounts - Authorized Signer Powers for details about what information can be updated in OSI at the request of a joint holder. o If the information provided by the joint indicates a discrepancy for items that they do not have the authority to update, please place an MIT asking for validation of the information on file at next contact with
200
When doing a travel notification for a debit card, what two things must you do?
Place an MIT note and send an email to acardservicesrequestform@becu.org
200
What is the Maximum Approval amount for an A Tier member for a Visa that has to go to Underwriting?
$40,000
200
What is Kent Stations Address
321 Ramsay Way Kent WA 98032
300
If rent is shared and/or you have a joint mortgage (but only one individual is applying for a loan) what should you enter?
Enter full amount of shared rent or joint mortgage (if not pulled in from credit report) in debt pad and request DTI exception if needed. Explain in note pad.
300
Can a joint owner come in and open an additional account(s)?
Yes. As long as all parties on the new account remain the same as other accounts. Infopoint : Accounts - Authorized Signer Powers
300
Where do we send fraud investigations too?
Security Risk/Financial Crimes
300
What is the maximum Line of Credit Limit that a D tier member can have?
$1,000
300
What is our direct line for Kent Station
206-214-1464
400
What must a member with a Line of Credits have in order to fund? (Hint - automatic payments)
Must have a checking account and have automatic payments coming from the checking account.
400
Can a Joint Owner(s) close all accounts (including the main savings)?
Not allowed.
400
What department processes and interviews Consumer Loans and Home Equity Loans
CLP - Consumer Loan Production
400
What is the maximum debt to income ratio that a C tier member can have for a Line of Credit that has been a member for over 6 years?
70%
400
Where does BECU rank among other credit unions for total assets in the country?
4th Largest Credit Union in the industry. Largest in WA
500
What are the maximum LTV limits for Tier A, B, C, D, & E?
140%, 120%, 110%, 90%, 90%
500
Can a CASR form be used to update the address for a Visa?
Yes. Information gets transferred from OSI to Evolve nightly so if the address is updated in OSI, then it will get updated in Evolve.
500
What department do we contact about Vehicle Titles
Consumer Loan Servicing
500
What is the provisional credit allowance for an E Tier Member
$200
500
What year was BECU found? And how old are we now
1935 80 years old (2015)