| Today's Meeting | Business Treasury Management | Current Events | Operations | Home Lending |
|---|---|---|---|---|
|
What is gaming establishments, hotels, churches, payday loan companies, floor plans, etc?
A prohibited industry for business lending. (choose one, CAN NOT be bar/restaurant)
|
What is Remote Deposit Capture?
Great solution for businesses who have a bit of a drive to get to a branch and mostly make check deposits.
|
What is Colleague Appreciation Week?
The major focus of THIS WEEK in all of branch banking.
|
September 30th
The deadline for all colleagues to have completed their Annual Required training.
|
What is 5%?
Please note, this is informational only for purposes of the game. If quoting a rate to a customer, follow the required verbatim of "For a Home Equity Line of Credit, the Bank sets its pricing based on your credit score, line amount, loan to value ratio, verified income, and verified assets. For example, as of today’s date, the range of Annual Percentage Rates is 5% to 9%. The Annual Percentage Rate quoted is subject to change daily.”
Our current starting rate for our Equity Express line of credit.
|
|
Who are Jessi Lee, Kanini McDaniel-Cowans, and AJ Johnson?
Our three most common Business contacts in Madison North.
|
What is the Business Risk Management Checklist? Find it here at: http://sharepoint/PC/31963/Linked%20Intranet%20Files/8699%20CDTM%20Risk%20Management%20Checklist%20TS.pdf
A handy single-sheet form you can give to business customers to help them improve their protections against fraud.
|
What is September 17th - 28th?
Dates the training webinars will be available to colleagues to cover details on the upcoming migration for the Business Online Platform.
|
What is business cards at the teller window, the banker desk with a deskplate, and on all business cards anywhere the colleague assists. When assisting at other locations, the Your Contacts form must be completed and used along with business cards.
Where a SAFE Act registered colleague's NMLS Number must be displayed.
|
What is the Consumer Direct Lending team? (866-LendABC)
To whom we refer lot loans.
|
|
What is Acknowledge, Ask, Answer, Ask (Again)?
The Four A's of Overcoming Objections
|
What is ACH deposits? (note - this does NOT include the taxes portion, so not a true payroll solution.)
Our solution for business customers who pay a few employees and want to begin offering them direct deposit.
|
What is complete the form (found in the deck referenced on the 8/20 S&S or in the SOP) and email it to Zac Wolff and your Market Manager/Mike Solt.
The process we now use for pricing exceptions.
|
What are businesses that report under a Social Security number, which includes single member LLCs
Reg CC Check holds apply to these types of businesses.
|
What is the total amount owed on all loans against the property divided by the full value of the property?
ie: a mortgage in the amount of $175,000 and a home equity loan in the amount of $25,000 is a loan-to-value of 80% for a home worth $250,000.
The calculation for loan-to-value.
|
|
What is refer$ABC?
The password for the Employee RAF Registration Portal. (caps matter)
|
What is Positive Pay?
A solution designed to secure those who write checks regularly to help prevent fraudulent checks from being cashed.
|
What is the Badger Checking Launch and Promo disclosed on the 8/16 S&S Call?
Along with the $300 tiered offer and 15% discount on purchases at Bucky’s Locker Room™ New this year! We’re adding a giveback to the “Let’s Go Red” Debit Mastercard®, with 5 cents given back to Wisconsin Athletics for every transaction, up to $75,000
|
What is "on a savings or money market account, you are limited to six preauthorized transactions from the account. This can include checks, ACH, point of sale, overdraft protection transfers, and online transfers."
An explanation of Reg D Requirements
|
What is the total of all payments for a person, divided by the total of the income for same person?
ie: A customer pays $300 per month for an auto loan, and $250 per month for student loans and has no other debts or credit cards. The customer now wants us to finance a home with a proposed payment of $1000 per month (inclusive.) The customer's gross monthly income is $2500. This customer's proposed DTI is 62%.
The calculation for debt-to-income.
|
|
Portage Levee Clean Up, Habitat for Humanity Build, Second Harvest Food Bank, Henry Vilas Zoo Corporate Night, Lacy Garden, BBQ Cook Off, Discover Whitewater Half Marathon, Walk to End Alzheimers, etc.
One of our varied options for Days of Caring volunteerism that is STILL AVAILABLE to sign up and participate.
|
What is Business Tax Manager?
Our electronic tax payment service we offer businesses. It allows them to choose either online or telephone submission, and offers a real-time confirmation of payment
|
What is assist fans to the branch iPads and pull up the landing page at AssociatedBank.com/BadgersFootball?
The process to help a customer enter to WIN in the Badger Promo - going on NOW!
|
What is "there will be a $35 fee per item that is drawn on an unavailable balance in your account. If your account remains negative for five or more consecutive days, there will be an additional $7 daily overdraft fee assessed."
An explanation of overdraft fees when no overdraft protection is in place.
|
What is 55%?
The proposed DTI for a customer who pays the following monthly debts, and wants to finance a property with a proposed payment of $1500/mo. $200 car payment, $500 student loans, and $100 credit cards. The customer makes a gross annual income of $50,000.00
|
Support Us on Ko-fi