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American Credit Acceptance Interview
Questions

27 Questions and Answers by Ryan Brunner

Published July 2nd, 2020 | Ryan has over 10 years of experience interviewing
candidates in the healthcare, public service, and private manufacturing/distribution industries.
Job Interviews     Companies     Money     Financial Services    
Question 1 of 27
At American Credit Acceptance, we pride ourselves on providing the best overall customer experience. Talk about your customer service experience and explain why it will help our clients here.
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How to Answer
In the financial services industry, overall client experience is a major predictor of business growth and the team at American Credit Acceptance takes the overall client experience seriously. For this question, your interviewer will be looking for you to expand upon your customer service experience past what they can see from your resume. To seal the deal for your interview, try to talk about times that you have went above and beyond the call of duty to provide the best service possible for a customer.
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1.
At American Credit Acceptance, we pride ourselves on providing the best overall customer experience. Talk about your customer service experience and explain why it will help our clients here.
In the financial services industry, overall client experience is a major predictor of business growth and the team at American Credit Acceptance takes the overall client experience seriously. For this question, your interviewer will be looking for you to expand upon your customer service experience past what they can see from your resume. To seal the deal for your interview, try to talk about times that you have went above and beyond the call of duty to provide the best service possible for a customer.

Ryan's Answer #1
"Over the past five years in my current role in customer service, my number one mantra has been to create the most personalized experience possibl for each person. I have done this by taking the time to get to know the customer, find out what their needs are and creating an experience unique to them. Where my time in automotive sales has really prepared for this role with American Credit Acceptance is in this approach. If hired for this role, I know that I will be relied upon to use open and honest communication skills, time management skills and to take a empathetic and personalized approach with each client and I can definitely be relied upon to do that."
Ryan's Answer #2
"In my years in a front facing customer service role, I've prided myself on being the face of the franchise. More often than not, my interactions with customers can be the difference between a repeat customer and a person who never comes back again. To ensure repeat customers, I make sure that I am knowledgeable about our products and services, I'm proactive with their needs and I'm always accountable for any mistakes that are made on my organization's side of things. If given the opportunity to join the team here at American Credit Acceptance, I will work hard to be highly educated in your services and be proactive and accountable in every interaction that I have."
2.
At American Credit Acceptance, we rely on a full team effort to deliver top quality products to our customers. Tell me about a time that you worked well as part of a team. Are you comfortable in a similar role here?
While this potential role with American Credit Acceptance will require your to be an independent worker that can think on your feet, you will also need to work as part of a larger team that is working toward one common goal. Because of this fact, your interviewer will want to hear that you thrive in an environment where you work with team members from other disciplines than you are trained in. In your example, stress to your interviewer that you have excellent communication skills and that you fully understand that every person on a team plays a vital role in the organization's success.

Ryan's Answer #1
"Throughout my career, I've always enjoyed working as part of a larger team on the job and this personal enjoyment started with my love of and participation in team sports like baseball and basketball. Growing up playing sports, I learned that each team member brought a unique skill set that could help us achieve our goals. Through a great coaching staff that knew how to make these individual skills shine, this same philosophy holds true for a team that is looking to design a new software system. I know that my skills as an engineer are just part of the final product and I work very well with designers, architects, analysts and sales to help build the greatest system possible."
Ryan's Answer #2
"I am a people person by nature and my current role has me working very closely with our engineering and design staff on writing technical manuals for our products. While I certainly can handle long days at my computer in solitude, my desire to work hand in hand with others really sets me apart from my peers in this field. I have excellent verbal, listening and written communication skills that, if hired here at American Credit Acceptance, your entire team would appreciate from my first day on the job."
3.
What statistical analysis tools do you have experience working with?
As a successful and resourceful Data Analyst, your interviewer at American Credit Acceptance is expecting you to be knowledgeable and well-versed in the many tools available to you. In your answer, be sure to show diversity within particular programs like SAS and SPSS while also explaining that you are very proficient in Microsoft Excel. On top of the programs, talk about any experience you have with programming and database language like SQL and Python.

Ryan's Answer #1
"In my current role, most of my analysis is handled in SAS and I've really grown to appreciate the program's ability to to manage large data sets and create predictive modeling in the financial field. From a past job, I have experience on SPSS and also with the SQL programming language to build robust databases. Of course, I have received expert level training in Microsoft Excel and consider myself a master of the program."
Ryan's Answer #2
"Having been in the field for over 15 years, looking back at the technological advancements in the tools that we use is very amazing. I consider myself very fluent in both the Sisense and KISSmetrics programs. I also have a good amount of experience in Crystal Reports."
4.
If you were asked to review a colleague's code that they had written, what key things would you look for?
For this question, your interviewer will obviously be looking to hear that you have adequate knowledge when it comes to coding processes. But most importantly, your interviewer will be looking to gauge your ability to be a team player and focus on the bigger picture when working on a project. In your answer, focus on your attention to detail and your ability to help others when needed.

Ryan's Answer #1
"As an experienced software engineer, I fully expect my colleagues to reach out to me for my insight and I never hesitate to provide open and honest feedback. When asked to do this, my main focus is ensuring that the code is readable and functional. If there are lines of code that need to be removed, I don't hesitate to let my colleague know that while also giving them feedback on why I feel it is unnecessary."
Ryan's Answer #2
"When I'm asked to do this in my current position, my main focus is on regulatory requirements that were put in place for the project and security issues. I work with a team of great engineers that are very efficient coders and these two areas are most often overlooked."
5.
What programming languages would you consider yourself fluent in?
While this question gives your interviewer insight into the diversity of your programming language experience, they most importantly want to know that you are adaptable and able to learn on the fly if needed. Talk about the different languages that you consider yourself fluent in and, if possible, do as much research into American Credit Acceptance as you can prior to your interview and try to speak to the specific languages that they work with.

Ryan's Answer #1
"From the start of college, where software engineering grew into a passion for me, I've become very fluent in Java, JavaScript and C++. My current role has me working primarily with C++, but I pride myself on my ability and passion to learn new programming languages and would be able to do so if hired for this role with American Credit Acceptance."
Ryan's Answer #2
"During my training to be an engineer and then in my current role since graduating, a majority of my experience falls within Python. My current role delves deeply into artificial intelligence and Python is awesome with this advanced technology. As I understand it from talking to another engineer here at American Credit Acceptance, a requirement would be for me to learn Scala. Though I haven't worked directly with Scala, I believe my experience and willingness to learn would have me up and running in no time if hired for this role."
6.
How long will it take you to make a meaningful contribution to our team at American Credit Acceptance?
If you were to be the successful candidate with American Credit Acceptance, when do you expect to make a viable contribution to the organization? Talk to the interviewer about your plan to make a fast impact.

Ryan's Answer #1
"I am interested in making an impact on your organization right away and have already crafted a plan to make that happen. I am a very strong business development professional and I plan to take the territory and expand it to include additional rural areas. This should amount to a strong increase in revenue within the first 9 months of my on boarding."
Ryan's Answer #2
"My plan, if hired by American Credit Acceptance, is to make an impact as soon as possible. I have researched this position and am very eager so I have created a 90 day impact plan that I would like to share with you."
7.
We pride ourselves on our interdepartmental teamwork here at American Credit Acceptance. If hired for this role, what kind of team player could we expect you to be?
In the financial world, teamwork at an organization is the key to success and life at American Credit Acceptance is no different. As you talk about your abilities and experiences in being a great team player, try to highlight certain themes like building trust, gaining respect and being a subject matter expert as part of a larger team. Don't hesitate to show flexibility in your ability to both lead others and be lead by others and use examples of times that you've done both. To seal your answer for this question, talk about your desire to work as part of a team and do your research on this position to find out what types of colleagues you will be working with.

Ryan's Answer #1
"My colleagues that I work closely with would tell you that I'm knowledgeable in my area of expertise to contribute to the much larger team and do so without hesitation. As well, I'm able to communicate effectively, take direction and run with when needed and always willing to help out other areas if I have free time. I understand that I would be working very closely with the Advising staff here at American Credit Acceptance and know that they would have high expectations out of my work."
Ryan's Answer #2
"I prefer to work in an environment that promotes teamwork and collegiality. If I were fortunate enough to join the team here, I want you to know that I love being in a leadership type role on a team where I can delegate work and help train others to better the organization. As well, I also thrive in a role where I am the minion and taking direction from others. I'd say that my key skills in working as a team are my ability to friendly, honest and trustworthy with my team."
8.
The day-to-day life at American Credit Acceptance can be hectic and stressful at times. If hired for this role, how would you keep yourself motivated when working with stressed colleagues and pushy clients?
The daily life at American Credit Acceptance is naturally very fast paced and because of that, both the colleagues and the clients that you may be working with have potential to be stressed, needy and downright mean at times. For this question, your interviewer is looking to get a sense that you would be able to work in this type of environment. In your answer, talk about the fact that you are cognizant of what this job entails as far as personal interactions go and talk about times where you have worked successfully through situations like this in the past. As well, don't hesitate to talk about your own personality traits that help you thrive in these types of situations.

Ryan's Answer #1
"Being a person that thrives in a fast paced work environment, I have the ability to handle stressed colleagues with a grain of salt. As you can see from my resume, I've spent the last five years in the manufacturing industry where my department worked under tight deadlines all of the time. If I noticed that a colleague was under stress, I offered my help if I was able to and down the road that was usually reciprocated back to me. This unselfish attitude and realizing that someone else's stress wasn't directed at me was the key to maintaining personal health and balance on the job."
Ryan's Answer #2
"In my current role in client services with a large hospitality group, some days can go off the rails and it feels like I'm working with enraged customers all day long. I have the attitude that their anger isn't directed towards me, but I'm the face of the company that they are currently working with and I need to do my job in helping solve their issue. While I do have great resources at my hand to help solve customer issues, I think that taking the time to get to know all of our management team and how they solve problems is key as well so I know who to put customers in touch with if needed."
9.
Think back over your career up to today and tell me about the most difficult day on the job you encountered. What made the day difficult and how did you handle that situation?
We've all had our share of difficult days on the job and how we handle those days in particular can really make or break where our careers go in that position or with that company. Think of a particular day ahead of your interview that really outlines your ability to handle adversity and proves that you were able to handle it with grace rather than turning your uniform in and heading home for the day. Another important piece of your answer should be discussing what lessons you learned from that particular day moving forward that you still carry with you to this day.

Ryan's Answer #1
"It's funny that you ask this question because I can honestly say that my worst day on the job happened just a few short weeks ago. Upon arriving to work in the morning, I quickly learned that our entire network was down and we wouldn't be able to work within our CRM or other programs that day. Many of my coworkers were visibly upset and questioning how we would be able to do our jobs that day. Rather than joining the crowd and freaking out about the situation, I huddled our group together to talk about solutions to the workday after we found out that the network likely wouldn't be fully up and running until late afternoon. While some colleagues carelessly went home for the day, I helped brainstorm how we could keep our phone lines open and my boss was very grateful for my efforts that day. Looking back, what made this the most difficult for me was seeing how others responded so negatively over an issue that we had no control over."
Ryan's Answer #2
"Early in my career, I had a day where my entire office came down with the flu and I was left alone with the receptionist for the day. Being trained and working Financial Advisor, my colleagues also handled market analysis, retirement plans and insurance plans. At first, the receptionist and I went about our business. After being flooded with calls and in-person visits into our office, we connected again to talk about a plan moving forward. We discussed what types of calls she could handle and which ones I would handle and she triaged from there. I made contacted with my personal clients I had scheduled that day to reschedule and we worked well from there. If I couldn't answer a question for a client of one my colleagues, I ensured they knew that my colleague would follow up as soon as possible. Looking back, I learned that on days where you have to break routine like we did then that it was important to make a plan as early in the day as possible."
10.
One huge philosophy that we believe in at American Credit Acceptance is professional development. How have you worked to develop yourself professionally throughout your career?
In an ever-changing field like financial services, American Credit Acceptance knows that professional growth and development is vital to them staying at the forefront of their industry. For this question, your interviewer is looking to ensure that your values surrounding professional development match the values of the company. Use this question as an opportunity for you to highlight the many ways that you grow and develop yourself to be the best that you can be in your career. Highlight any continuing education you have completed, any societies or groups that you belong to and any publications that you read on a regular basis that will prove to your interviewer that you aren't comfortable being stagnant in your career.

Ryan's Answer #1
"I am a firm believer in being a life long learner in my work as a Data Analyst. As technology and times have changed over the course of time, I see it as very important to be learning and changing along with the times. Just over the past two years, the Data Fest and Data Summit national conferences and participation in these events on a yearly basis is super important to me to help me grow and develop."
Ryan's Answer #2
"In the financial field, I have to stay at the top of my game to compete with other advisors and keep clients happy and flourishing. To do this, I subscribe to and read many of the great publications that are out there. Some of my favorites include the Wall Street Journal, Money magazine and Forbes. I also subscribe to many others. As well, I am a member of NAIFA and I have attended the organization's Congressional Conference on a few occasions."
11.
If you were having an interaction with a client here at American Credit Acceptance and you weren't able to answer their question or solve their problem on your own, how would you handle that situation?
As the forward facing client services representative with American Credit Acceptance, you may be asked serious financial or market related questions that either don't know or aren't qualified to answer. In those situations, you will be expected to explain to the customer how that question will be answered and then deliver a timeline on when it can be answered. In the end, the customer wants to know the clear path to ease their mind and it will be your job to do just that.

Ryan's Answer #1
"In my current role in Customer Service with Metropolis' largest automotive dealership, I frequently get asked questions that our sales, finance and service staff have to give the final stamp of approval on in answering customers questions. In these situations, I have a great amount of knowledge where I can prepare the customer for speaking with the right person while also ensuring them that the sales, finance or service staff will provide the final answer. Then, I work quickly to get them to the right person."
Ryan's Answer #2
"In a situation where I didn't know an answer, I would ensure the client that we have the right staff in place that would be able to help them quickly and efficiently. I would communicate to the customer what the next step would be and if that would be me putting them directly in contact with someone or me taking their contact information and having someone get back to them. In the end, setting the right course and timeline would be important for every customer when I faced this situation."
12.
How do you ensure that you have a healthy work-life balance in your career?
In the fast paced world in software and technology development, heavy work loads and potential on-call duties have created a lot of burnout in professionals. Your interviewer is looking to hear that you are cognizant of the risks of burnout and that you do what is necessary to maintain your own personal health and well being and that of your family as well. While you can use this time to talk about personal interests or hobbies outside of work, try to focus on how these items help keep you refreshed for the work that you'll be doing for American Credit Acceptance.

Ryan's Answer #1
"As I am passionate about my career as a UX designer, I am also passionate about my family. Any moments outside of work are spent coaching my kids traveling baseball teams in the summer months and then spending as many weekends as possible on the ski slopes. These activities help keep me active, physically fit and keep my mind centered on what it truly important in my life when work weeks get stressful."
Ryan's Answer #2
"Having watched many of my senior colleagues over time suffer from work burnout that has caused marital issues and health issues, I make it a priority to maintain a healthy balance between my work and my home life. My free time is spent in the outdoors with my wife, whether that be on the lakes and rivers fishing or biking around town. I consider myself fortunate to be considered for a position here at American Credit Acceptance because I know that you put a focus on your employees maintaining this healthy balance because the organization realizes how important this is to be productive."
13.
Do you have experience working with different CASE tools? If so, what do you have experience with?
The world of software engineering has greatly benefited from advancements in computer aided software engineering tools. Because American Credit Acceptance is at the forefront of the industry, your interviewer will be looking to hear which tools you have experience with. Make sure not to concern yourself with providing a correct answer here, but rather focus on your flexibility to learn new aides when needed while explaining what you have experience with.

Ryan's Answer #1
"In my current role, I regularly utilize both diagramming and web development tools. The diagram tools assist our software projects by outlining the system data and components in a graphical form for us and this saves us a great amount of time while also being very reliable. The web development tools greatly help me visualize site changes that I am making because I don't have a deep background in web development. If hired for this position, I'd look forward to learning other CASE tools for prototyping, quality assurance and maintenance."
Ryan's Answer #2
"During my career and in my experience with CASE tools, most of my experience is in the lower CASE elements that focus on coding and testing the software after initial development. CASE tools have certainly made life as a software engineer more efficient and effective and I'd look forward to learn any new CASE tools if hired for this position here at American Credit Acceptance."
14.
Here at American Credit Acceptance, we are expecting someone with strong leadership skills to take this role. How would you describe your management style?
Prior to your interview, try to take a long, hard look inside your skills and styles as a leader of others and prepare to present the best management style possible to your interviewer that fits the role that you are interviewing for with American Credit Acceptance. Your answer should also involve solid research into the culture of American Credit Acceptance and the details of the role you are interviewing for. Some important things to touch on are your ability to promote a team atmosphere and your ability to delegate responsibilities when necessary.

Ryan's Answer #1
"My overall management style is the belief in building a positive team atmosphere. I'm a firm believer that each person and role brings a specific skill set to the ocverall goals and purpose of a team and I promote a team based atmosphere by larifying everyone's role on the team, keeping every person's objectives clear, rewarding great performers on the team and holding people accountable for their actions. If hired for this role at American Credit Acceptance, you can be assured that my promotion of a team based atmosphere would help achieve even higher goals than you have set right now."
Ryan's Answer #2
"I think that it is crucial for a leader of others to be flexible in their style rather than relying on just one of the canned management styles. I'd like to highlight my abilities to lead as being a manager that works to grow and develop my staff to help them achieve their career goals and a leader who is able to provide direction and authority when the time for it arises. By knowing my team well and promoting our goals, I have the ability to assign work to the right people and follow through with my team on meeting all objective necessary."
15.
How many boxes of macaroni n' cheese were eaten in the United States last year?
er Questions like this during your interview are meant to test your ability to deduce an answer from a very limited set of information and assumptions. You and your interviewer both know that it would be impossible for you to know or even calculate the correct answer, so your interviewer is solely looking for the factors that you use in extrapolating the answer that you give. In your answer, be as detailed as possible in why you are making the assumptions that you are when coming to a final answer.

Ryan's Answer #1
"In knowing that the population in the United States is around 325 million people, my biggest factors in determining my answer will be that children between the ages of two and ten consume 75% of the mac n' cheese each year and that the other 25% is consumed by ages ten and above. The other factor is that the kids eat one box per week and the ages over ten eat two per month. So, I'll determine that there are 80 millions children between two and ten and figure that they'll eat 4.2 billion boxes. Then I'll determine that there ere 240 million people over ten that eat two per month to get 5.7 billion boxes of mac n' cheese. When added together, I'd say the final answer is right around 10 billion boxes of man n' cheese are eaten in the US each year."
Ryan's Answer #2
"My estimate of this number would factor in the total US population over three years old, the people that eat macaroni n' cheese to be around 280 million people. Then, I'd factor that in the summer, each person eats one box per week and in other seasons they eat one per month. During the summer, the population would consume 3.4 billion boxes and during the other three seasons, they would consume 2.5 billion between all people. This would add up to right around 6 billion boxes eaten in the United States last year."
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27 American Credit Acceptance Interview Questions
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Interview Questions
  1. At American Credit Acceptance, we pride ourselves on providing the best overall customer experience. Talk about your customer service experience and explain why it will help our clients here.
  2. At American Credit Acceptance, we rely on a full team effort to deliver top quality products to our customers. Tell me about a time that you worked well as part of a team. Are you comfortable in a similar role here?
  3. What statistical analysis tools do you have experience working with?
  4. If you were asked to review a colleague's code that they had written, what key things would you look for?
  5. What programming languages would you consider yourself fluent in?
  6. How long will it take you to make a meaningful contribution to our team at American Credit Acceptance?
  7. We pride ourselves on our interdepartmental teamwork here at American Credit Acceptance. If hired for this role, what kind of team player could we expect you to be?
  8. The day-to-day life at American Credit Acceptance can be hectic and stressful at times. If hired for this role, how would you keep yourself motivated when working with stressed colleagues and pushy clients?
  9. Think back over your career up to today and tell me about the most difficult day on the job you encountered. What made the day difficult and how did you handle that situation?
  10. One huge philosophy that we believe in at American Credit Acceptance is professional development. How have you worked to develop yourself professionally throughout your career?
  11. If you were having an interaction with a client here at American Credit Acceptance and you weren't able to answer their question or solve their problem on your own, how would you handle that situation?
  12. How do you ensure that you have a healthy work-life balance in your career?
  13. Do you have experience working with different CASE tools? If so, what do you have experience with?
  14. Here at American Credit Acceptance, we are expecting someone with strong leadership skills to take this role. How would you describe your management style?
  15. How many boxes of macaroni n' cheese were eaten in the United States last year?
  16. How do you stay organized and on track when working on multiple projects or duties at the same time?
  17. What do you feel is one unique skill or trait that you could bring to the auditing team here at American Credit Acceptance?
  18. Our clients here at American Credit Acceptance expect top-tier service and products and we will expect you to do just that in this role. Have you ever went the extra mile for a client when it wasn't expected? Why did you do so?
  19. What SDLC models are you familiar in working with?
  20. What software analysis and design tools do you have familiarity working with?
  21. To get a sense of how you will handle internal auditing processes here at American Credit Acceptance, what do you feel are important tasks to do once an audit is finished?
  22. How do you believe your coworkers would describe you?
  23. What statistical models are you familiar with and which do you feel would best apply to the financial field here at American Credit Acceptance?
  24. Our auditing process here at American Credit Acceptance is very detailed. Can you walk me through your typical audit workflow in your current role?
  25. Would you say that you are a goal oriented on the job? What would I be able to do as your manager to help you achieve your goals if hired here at American Credit Acceptance?
  26. The clients of a financial firm like American Credit Acceptance can display an arrange of emotions when they work with our Client Services team. How would you handle a situation where a client was very angry?
  27. In working with financial data here at American Credit Acceptance, what are the steps you would take in the data validation process as part of your work?
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