Can Personal Bankers in branch consolidate limits?

Shock · ‎11-18-2014

So we all know Citi is tough cookie to crack for consolidation. I called EO and asked and they said it needs to be an available option, and a HP may or may not be required deoending on the situation.

My cousin has a good friend who works in branch at Citi. Does anybody know if they have the power to consolidate limits? I know it's a longshot, but I have a gutsy feeling that they can "Request it" on their computer, and it's more likely to be approved, and a HP would not be necessary at all.

Thoughts?

-Cal- · ‎11-18-2014

Typically no, they're two totally separate departments. They can pick up the phone and call the same rep you would end up talking to if you were to call and make a request.

Shock · ‎11-18-2014

@-Cal- wrote:
Typically no, they're two totally separate departments. They can pick up the phone and call the same rep you would end up talking to if you were to call and make a request.

But I would like to believe they may be more willing to do it because it's a fellow employee calling.

FinStar · ‎11-18-2014

@Shock wrote:
@-Cal- wrote:
Typically no, they're two totally separate departments. They can pick up the phone and call the same rep you would end up talking to if you were to call and make a request.
But I would like to believe they may be more willing to do it because it's a fellow employee calling.

Not really, it all depends on how much leverage your current investement and depository relationship is with Citi. More often than not, it's not up to the banker but the lending department as a whole. The more leverage you have (tenure, deposits, etc.) the more it can swing things in your favor.

Anonymous · ‎11-18-2014

@FinStar wrote:
@Shock wrote:
@-Cal- wrote:
Typically no, they're two totally separate departments. They can pick up the phone and call the same rep you would end up talking to if you were to call and make a request.
But I would like to believe they may be more willing to do it because it's a fellow employee calling.
Not really, it all depends on how much leverage your current investement and depository relationship is with Citi. More often than not, it's not up to the banker but the lending department as a whole. The more leverage you have (tenure, deposits, etc.) the more it can swing things in your favor.

Depends on the banker. They can call underwriting and if they are good at arguing wisely it can be a better option if you arent as good at it. Depends how much knowledge you have and if you know what underwrtiting is looking for.