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I would consult with my BM before opening this account. The member has

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I would consult with my BM before opening this account. The member has

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I would ask him about the Canadian Tire R2 rating? Set-up a PAC for a savings account. Set-up a PAC for minimum PAC for RRSP plan. Reinvest the income tax return into the RRSP plan. Later see about a debt consolidation loan.

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I would ask him about the Canadian Tire R2 rating? Set-up a PAC for a savings account. Set-up a PAC for minimum PAC for RRSP plan. Reinvest the income tax return into the RRSP plan. Later see about a debt consolidation loan.

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I would open this account and have a very frank discussion about no credit until we have an emergency fund in place and we can have a talk in the future about a possible debt consol. 

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I would open this account and have a very frank discussion about no credit until we have an emergency fund in place and we can have a talk in the future about a possible debt consol. 

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I will open up his account with  cautious. He has a steady job. Most of his trading items on his credit report are at R1. I would ask him more questions about the written off on his bell mobility bill. And what were the two credit checking inquiries done by Servus in 2013 and 2015 were about. He has no savings, investments or property that he can fall back on if any unexpected things happen to him. I would work on building up a saving plan for him first. 

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I will open up his account with  cautious. He has a steady job. Most of his trading items on his credit report are at R1. I would ask him more questions about the written off on his bell mobility bill. And what were the two credit checking inquiries done by Servus in 2013 and 2015 were about. He has no savings, investments or property that he can fall back on if any unexpected things happen to him. I would work on building up a saving plan for him first. 

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I would Open the account for the member with my managers approval.
Because I would like to ask about his previous Visit to Servus, as the record show that he visited Servus in 2015 & 2013.
if every thing goes well then I would also work with the member to consolidate his credit card debt, if it is not able to complete now.
Also help him to have a saving option in-order to avoid  such a situation in the future.

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Would open the account. Speak with member to see if a debt consol would be realistic and if they could afford the required payments and interest rate. Would work with member on this to avoid any delinquencies going forward. 

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Would open the account. Speak with member to see if a debt consol would be realistic and if they could afford the required payments and interest rate. Would work with member on this to avoid any delinquencies going forward. 

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I would open this account however I would open it with caution and my managers approval. I would also communicate with my member that they need to ensure they are on time with their payments as it has a really negative affect on their score. 

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I would open this account however I would open it with caution and my managers approval. I would also communicate with my member that they need to ensure they are on time with their payments as it has a really negative affect on their score. 

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I would open an account and may be discuss about the emergency fund in place and also importance about the retirement savings for him.

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I would open an account and may be discuss about the emergency fund in place and also importance about the retirement savings for him.

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I would be cautious on this account as he has had many late payments. He is showing some serious delinquencies and has a fairly substantial amount of debt. He also had a phone bill that was written off, which is concerning.  Although the credit score is high enough and his BNI is not concerning, I may run this by my manager. I also see that he had a credit check pulled by the credit union on 1/22/2015, and so I would be digging a little deeper to find out what this was for and whether or not he was denied an account in the past. 

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I would be cautious on this account as he has had many late payments. He is showing some serious delinquencies and has a fairly substantial amount of debt. He also had a phone bill that was written off, which is concerning.  Although the credit score is high enough and his BNI is not concerning, I may run this by my manager. I also see that he had a credit check pulled by the credit union on 1/22/2015, and so I would be digging a little deeper to find out what this was for and whether or not he was denied an account in the past. 

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I would open this account and address the potential to put away savings for the future. I would like to have a discussion to show him different options for how saving a little each month can have big rewards in the future. 

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I would open this account and address the potential to put away savings for the future. I would like to have a discussion to show him different options for how saving a little each month can have big rewards in the future. 

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I would also address the collection on his bureau and stress the importance being diligent with payments.

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1. Review the information below as well as the credit bureau attached.

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1. Review the information below as well as the credit bureau attached.

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Your member has come into the branch to open a membership because he received a recommendation from a friend. He currently deals at BMO as it was where he first opened his account as a kid. He hasn't been happy with BMO since they denied him for a consolidation loan
Family
-Single
-Parents live in Newfoundland
Occupation
-Works as an educational assistant for children with special needs
-The center is privately owned and does not offer retirement savings plans or many benefits
-He has been there for 5 years and has no plans to leave as his job is so rewarding
Recreation
-Board game fanatic - he frequently organizes tournaments
-Likes to visit his parents back home whenever he can
Future
-He would really like to work at paying off his debt - most of this was accumulated when he got into a tough situation when his roommate suddenly moved out and he had to cover the unexpected expenses until he could find a new one
-He has very little in the way of savings but has made this one of his priorities as he doesn't want to be renting forever