Miscellaneous
Before starting the prequalification process, what is something we need to ask the PA if they have?
What is did you receive an invitation from us?
What should we always notify a PA and ATP of anytime we are making an OBC or whenever we hear anything else in the background?
What is this call may be monitored and/or recorded?
How long does an applicant have to wait to re-apply when their previous application was a soft pull?
What is they can reapply 15 calendar days after they submitted an application.
What should we do when a PA calls in before releasing any information on an application?
What is verify first/last name and one piece of security either last 4 of SSN or DOB?
When presenting an offer to a customer what do we need to make sure we include?
What is the term length, the loan amount, the estimated APR, the estimated payment, tie in the goal/dream and development.
When working CBR Misc after getting PA's permission to make a 2nd OBC what do we need to do?
What is the agent needs to memo that a call back was agreed upon with applicant/customer?
What do we need to inform the PA before changing the loan amount in the soft & hard pull status?
What is that changing the loan amount can have an impact on the decision and/or terms of the loan and could result in a FINAL decline decision?
How long does an application have to wait to re-apply when their previous application was in a hard pull?
What is they can reapply 90 calendar days after the last time they submitted an application?
What should we do if the PA is giving us their information for the application and we aren't quite sure if we understood them correctly?
What is we have the PA repeat themselves or we repeat back to them their information as you move through an application to make certain that all information entered in DLOS is correct.
How should we ask the PA about their income on the medium form?
What is what are your sources of income and have you included all of your available income sources? Also remember to find out which of their income is theirs and which is household income and separate it.
What do we do when a PA expresses any type of dissatisfaction during a call?
What is put in complaint/feedback on the complaint tracker?
What should we tell the PA when all that remains is to request documents and for them to be verified?
What is your loan is conditionally/contingently approved pending the verification requested.
What talking point should we provide to the PA when they ask for the disbursement timeframe for their funds?
What is we will start working on funding once you accept the loan. Creditors and banks may have various processing times. If you haven't received the funds or had them credited to your account(s) after 12 business days, we ask that you contact us for next steps?
On all B01 and B03 application what must we make sure we are asking the PA for when they are employed full or part time since this can't be added later in the process in regards to communication?
What is asking if the PA has a personal work email address they would like to add to their application?
What if you provide the entire offer to the PA and they round it up or down what should you do?
What is never say right, you correct them so that you are relaying the correct information. So, if the APR is 12.99% and they say so 13% don't say right, you say 12.99%. Or if the payment is $501.72 and they say $502 don't say right, say $501.72.
What do we do if a PA calls in and they are asking about a military discount?
What is the agent should attempt to move the application forward to completion before transferring to the dedicated military support team, when possible, in accordance with procedure.
What must be tell the applicant when they are authorizing an ATP to be added to the account to allow us to speak too?
What is when asked the individual you authorized must verify their first/last name, your full name, your DOB or last four of SSN. The individual you authorized may hear the details of the offer, however only you can accept the offer and agree to the final terms of the loan. We will need to provide the majority of disclosures to you.
What do we say when a PA asks up how long the application process takes because they are on their lunch break?
What is in most cases, we will reach a decision in minutes?
After entering the invitation ID# and reading the disclosures what do we need to do first on the short form?
What is have the PA spell their first/last name to confirm it's accurate in the system?
What do you do if you ask a PA if any of their income is non-taxable and they aren't sure?
What is you leave the income all taxable, since they aren't sure it's better to leave it all taxable instead of assuming. If they know like their SSI is all non-taxable then you can put that amount.
What is the process for handling the 4506-C Procedure? Do we have to follow all those steps?
What is review memos to determine if OTP/XID has already been passed if not select the manual fraud checkbox and reprocess to cause OTP to fire. Then review memos to see if WNT has been ran if not then run WNT. If WNT does not verify the PA's income request Cash Flow using the checkbox in DLOS to request the verification. When requesting Cash Flow verification make sure to provide the Snapshot Tool as an option!
When updating the account to a live check what do we have to remember to do besides switching it in the disbursement screen?
What is confirm the spelling of the applicant’s name and physical address. And tell the applicant that the live check:
What do we tell the PA when we get a decline because the CBR's are frozen?
What is lift the freeze off all three bureaus for 15 days from the application start date.
What is that you need to investigate further to find their information and ask for ANY of the following:
Also make sure to ask the caller if they have used any of the following websites to research or apply for a personal loan?
If working the medium form from top to bottom, what is the last question it asks on their application? And do we have to ask the PA the question?
What is do you have a savings/money market account? And yes, we have to ask the PA if they have one and select yes/no on the application we don't need any details just if they have one.