MockQuestions

BANK Simpanan Nasional Interview
Questions

27 Questions and Answers by
| Ryan has over 10 years of experience interviewing
candidates in the healthcare, public service, and private manufacturing/distribution industries.

Question 1 of 27

Take a couple of minutes to sell this notepad to me.

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BANK Simpanan Nasional Interview Questions

  1. 1.

    Take a couple of minutes to sell this notepad to me.

      To be successful in the financial advising field, one top key to success is your ability to sell your service to your clients. For this task, your interviewer will slide a notepad (or other item) to you across the table and ask you to sell it to them. First and foremost, your interviewer will be looking for you to project confidence in your pitch and your ability to find their own needs in what they're looking for in a notepad while you give them your pitch. As you sell them the notepad, be sure that you are confident, creative and that you ask questions of them. Overall, see this question as a fun opportunity to show your advising skills in a very nontraditional way and it will be a success for you.

      Ryan's Answer

      "Well Mr. Jones, I know in your line that you definitely in high need of notepads to help you succeed in your industry and I'm here to show you a new product we have put out to market that can exceed your needs. You'll notice that it features very wide margins that accentuate the note taking procedures for all who use it. You'll also notice that each individual sheet is carefully perforated to make separation from the binding an easy task compared to other notepads. The last feature of our new notepad is that it comes in many different paper colors that suit your needs. If you want, take this sample to your office for a week and put it to use. If you and your staff would make use of it, I can set you up with your first shipment in no time!"

      Ryan's Answer

      "Mrs. Jones, we at Notepads, Inc. are excited to announce a new line of notepads for our exclusive customers. If you can, tell me a bit about your frustrations with your current line of notepads that you use. Wow, thank you for that. I can tell that functionality, cost and supply are all issues that are of concern and I'm happy to tell you that this fantastic notepad meets your needs with the brightest white paper, narrow ruled, right priced and readily available features. I'd like to talk about you further about pricing and delivery options when you are ready."

  2. 2.

    Tell me about a goal you achieved. What steps did you take to get there?

      The banking industry offers a variety of opportunities to those who are motivated. BANK Simpanan Nasional is seeking individuals who think about the future and aspire to be successful in everything they do. Think about something you accomplished through hard work and dedication.

      Ryan's Answer

      "Early in my career, I strived to get to know the banking and thrifts systems from a 360-degree view. I worked hard to partner with my peers in learning how their roles contributed to the whole organizational flow. I set a goal to become head teller within the first five years of working in this industry. I hope to continue that career path with BANK Simpanan Nasional and am excited for the opportunity to do so."

      Ryan's Answer

      "A few years ago I set the goal to complete my Bachelor's in Finance while working full time. I achieved this in just four years, through spending a lot of time in online studies, between working as a bank teller. I am very proud of the discipline and dedication I was able to put towards this goal."

  3. 3.

    The clients of a financial firm like BANK Simpanan Nasional 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?

      Whether due to a large amount of money lost on the market or a client feels they were ill-advised by an Advisor, your job as a Client Services Representative will at some point or another deal with a very angry client. For this answer, your interviewer will be looking to hear that you do what is necessary to stay calm and stay focused on finding a resolution. If possible, use a specific example of a time you had to do exactly this and explain how effective communication was critical in making the situation right for the client.

      Ryan's Answer

      "As you can see from my resume, I've spent the last three years in customer service relations for a large insurance company. As you can imagine, a large majority of my customer interactions were with upset customers. I've been called names that I can't repeat here in this interview and my key to working through these situations was to remain calm and not take things personally. Like the financial world, the insurance business is a very life altering experience and a loss or damage to an item is very stressful. I tried to put myself in the customers shoes, see things from their perspective and do my best to ease their situation. In this role with BANK Simpanan Nasional, these same skills would be vital for me to find solutions or the right person to talk to if needed."

      Ryan's Answer

      "First and foremost, an active listening approach is the first step to lowering the tension from an angry customer. A couple of months ago, we had a very angry customer come onsite to complain about a defective product that cut his hand pretty badly. The customer came onsite to complain even before receiving emergency care, which was apparent that he needed. First, I let him release his anger and it was not a pretty sight. Then I calmly repeated back what he had said and then explained what our policy allowed me to do at that time. Looking back, my sincere approach and calm demeanor helped calm him down and later that day, my manager had a formal complaint sent to the manufacturer and we were assured that they'd be in contact with the customer."

  4. 4.

    Talk about a time you had to communicate with a colleague or customer that was unhappy. What were the keys to making the situation better for all involved?

      Your ability to handle conflict will be an important part of this role with BANK Simpanan Nasional. Tellers are often the first line of defense with customers that call or come into the branch and you will be relied upon to help diffuse any situation that could get out of hand with customers. In your answer, try to focus on your communication skills that you feel are vital to your success in these situations. As you think of a situation you've been in to use in this situation, make sure that you can demonstrate the steps that you took to ensure that the unhappy customer or colleague left the situation in a much better place.

      Ryan's Answer

      "A few weeks ago, I was having a pretty normal day at the front of the store. About an hour from closing time, a customer stormed through our front door and approached me at a rapid place with a very mad look on her face. She slammed a bag on the counter and demanded a refund for a shirt that she had purchased last week because she claimed it had a tear in the armpit. Before I could even say anything back to her, she then began berating our store for selling inferior products and she demanded to see a manager right away. As calm as I could, I told the lady that I would be very glad to take care of a return for her and I'd be happy to put her in contact with a manager. I let her know that I'd need to take her number as our manager was not in the store that evening. While she still left upset after receiving a refund, I followed up with my manager the next morning to ensure that he followed up with her. He let me know that she had calmed down and thanked me for my service the evening prior. I know that my ability to not take her harsh words personally really helped make the situation better."

      Ryan's Answer

      "Last year, I showed up to work to find my close colleague in a fit of rage at her work area. He was slamming desk drawers and using really inappropriate language. Knowing that this wasn't typical behavior from him, I immediately walked over to see what was wrong. He began by telling me that he had received a very bad customer complaint the day before and was now being reprimanded for it by our manager. He started to then talk badly about our manager and I immediately cut him off. By hearing what he had said, I tried to replay the conversation for him and then asked him what led to the customer complaint. I took a very empathetic approach to learn why he was feeling the way that he did and I quickly learned that he was indeed in the wrong in thet situation. My advice to him was to take a quick walk, calm down and hen go talk to our boss. Later that day, he thanked me for my great advice and talked about the lesson learned moving forward."

  5. 5.

    If a client here at BANK Simpanan Nasional were to be denied the financing that they desire, how would you handle that situation?

      As a Loan Officer at BANK Simpanan Nasional, you will have times where you will have to have the difficult conversation with prospective clients that are being denied financing. For this question, your interviewer will be looking to hear that you take a professional approach with the clients and that you have a firm understanding of the regulations surrounding loans in the industry. To seal the deal for this question, talk about your ability to educate the client to better the chances that they will come back to BANK Simpanan Nasional for business in the future.

      Ryan's Answer

      "This is a very common occurrence in my current role in the mortgage industry. When a client is denied financing, I am very up front and honest with them in my approach. The most important thing that a customer wants to understand is why financing is denied and my experience in the finance industry lends well to me explaining the importance of credit scores and debt to equity ratios. I have found that customers that are denied financing really take well to my approach and I have had many customers come back after doing the personal work needed to improve and succeed in their application process."

      Ryan's Answer

      "Life as a successful Loan Officer is about being knowledgeable and professional and I pride myself on my ability to project both of those things. In the times I need to personally decline a potential customer, I am firm and fair with them. I don't beat around the bush in any way because this can leave a customer with a false sense of hope. Taking the time to explain the regulations for the loan in layman's terms often helps customers understand things better as well."

  6. 6.

    Tell us how you keep your knowledge current with ongoing changes in the banking industry.

      Due to the competition within the banking industry, BANK Simpanan Nasional strives to stay relevant by adapting their products and services to meet customer needs. Consider reading some news articles, press releases, or blogs, to learn more about the industry.

      Ryan's Answer

      "I am interested in learning about helping my customers with their investments. I like to read financial blogs to stay on the cutting edge of latest trends. I also enjoy reading the latest books with a financial scope and listening to financial advice. I also follow BANK Simpanan Nasional on Twitter and keep abreast of relative headlines."

      Ryan's Answer

      "I am an avid reader, and my top go-to books for banking related knowledge are A, B, and C. I also listen to a few investment-related podcasts on a weekly basis. I understand the importance of staying on top of the latest trends and news in the banking industry."

  7. 7.

    Talk about a time where you felt overwhelmed by your job duties. What did you do to stay organized and on track with everything happening?

      At some point during your career up to this point, you've faced a time where you felt completely overwhelmed while on the job. As you answer this question, try to paint a clear picture for your interviewer that explains all of the contributing factors to you being overwhelmed. Then, proceed to focus most of your answer on talking about the skills and resources you utilized to keep you on track and focused during this difficult time. In the end, your interviewer is ideally looking to hear that you can stay organized and on track no matter how busy things get if you're hired to join the team at BANK Simpanan Nasional.

      Ryan's Answer

      "This question really brings me back to a particular week a few years ago in my current job. It was late fall as the holiday shopping season was ramping up and our store was very short staffed due to a maternity leave and two employees leaving on short notice. While we were short staffed in the store, it took a full team effort to ensure that customer questions were being answered, shelves were stocked and registers weren't getting backed up. To stay organized, the small team we had on staff worked off of a checklist each day to ensure we weren't missing anything important. Constant communication and flexibility was key for our success as we continually helped each other out on important things throughout the day. For me personally at the end of each day, I took a lot of satisfaction in knowing that I kept my head focused and did a great job."

      Ryan's Answer

      "Over the past four years, my current department has cut staff by almost 50% while the overall amount of work has remained steady. This has led to my total duties doubling over the course of four years. While this has been very overwhelming for, and even detrimental to others that I work with, my ability to handle the stress has been very important. The best thing that I do is set time aside at the end of each day to recap what I've done and make a plan for what to handle the next day. Some of my colleagues can't believe that I set aside 30 minutes to plan, but I know that making a plan actually saves me considerable time in the long run and makes me more productive. As well, on days where I do feel very overwhelmed, it is important to take some personal time during a break to step away and get some fresh air. A quick 10 minute walk outside really helps refresh me for another half day of work."

  8. 8.

    If you were on the job here at BANK Simpanan Nasional and a customer came to you with a very odd request that you did not know the answer to or how to solve, how would you handle that situation?

      If hired for this role at BANK Simpanan Nasional, you will have the opportunity to interact with a wide variety of customers. Given that variety, the number of unique, and often odd, requests that could come your way are pretty great. Whether a customer is looking to transfer money to another country or some other odd request, your interview is hoping to learn that you are able to think on your feet and not get flustered in any situation you may face on the job. As you answer the question, stay focused on the professional and resourceful approach that you would take with customers when put in this situation and don't hesitate to talk about any similar experiences you've handled in the past on the job.

      Ryan's Answer

      "If I were faced with any question that I didn't know the answer to on the job, I would confidently explain to the customer that I would need to bring in another teammate to help solve the issue and would do so quickly. While I always try to be a subject matter expert on any job that I do, working with external customers can always bring new things. If I could use any resources like a company intranet page or other documentation to help solve the issue myself, I wouldn't hesitate to do that either."

      Ryan's Answer

      "First, I would make sure that I fully understood the situation by asking more questions of the customer and would do so in a very polite and professional manner. To ensure that the customer knows a plan moving forward, I would then explain my next course of action. If it was an issue that I had to approach my manager about, I would do so immediately and I would show the customer where they could wait in the lobby. If I would be consulting any documentation or other resources, I would do the same with the customer to not have a holdup in the lobby. Then, I would work diligently to find an answer and make sure the customer was handled in a respectful and efficient manner."

  9. 9.

    Talk about a time you had to handle failure at any point in your career. How did you handle that situation and move forward with confidence?

      This is a question that is being posed to you that gives you a chance to show your ability to overcome adversity and handle yourself with integrity during a time of failure. Your job in answering this question will be to prove that you can cope with failure in a productive way that leads to making the situation right and learning lessons for the future. As you prepare for a question like this for your interview with BANK Simpanan Nasional, think of a situation where you can highlight both of these things and don't hesitate to tell your interviewer the reasons why the failure occurred. Your interview fully understands that you are a human that makes mistakes and as long as you take a lesson moving forward, you will be in great standing with them.

      Ryan's Answer

      "A couple of years ago with my current company, my manager asked me if I would consider a promotion into a role as a supervisor for our department. Having not had experience supervising individuals up to that point in my career, I was very hesitant at first. My manager kept telling me that I had the skills necessary to do so. I did accept the offer to become the supervisor and after just three months, I fully realized that the position wasn't for me. I had become very close friends with a lot of the people I was now supervising and that made the real difficult for me. I didn't hesitate to approach my manager to let them know that I wasn't cut out for the role and we worked on a plan for me to transition back my former role. Looking back on the situation, I really learned a lot about myself and who I was as a worker to not put myself in a situation like that again."

      Ryan's Answer

      "In my current role, I was the person who was informed that we were losing one of our biggest clients to a local competitor. In speaking with the client, they were very unhappy about our customer service and overall pricing. Being responsible for the customer service for our customers, I felt very responsible for losing this client and had to break the news to our leadership team. Right away, our Sales Manager contacted the client to ask a lot of questions on why they were no longer utilizing our services. From there we took a lot of lessons moving forward and I worked through a new customer service policy for my team to follow moving forward."

  10. 10.

    We pride ourselves on teamwork here at BANK Simpanan Nasional and this role in Client Services relies on teamwork. What are the top qualities would you would bring to a team based atmosphere here?

      At the heart of this question falls your interviewers need to determine how well you will work with others on the team at BANK Simpanan Nasional. You will be working with high level advisors and managers that are under a lot of pressure to perform in their jobs and your communications with them will either alleviate some of that stress or add to it. To ensure that your interviewer walks away from your conversation knowing that you are a team player that keeps the end goals of the company in mind, focus your answer on your effective communication skills, your knowledge of everyone's role on the team and your knowledge of what your role on the team will be.

      Ryan's Answer

      "As with any team that I have worked on in the past, my priority is knowing that everyone has an important piece in the overall success of the team. In customer service, this is knowing who to contact with the right questions and who to guide customers to when needed. This ensures that our work is done efficiently on our end of things and that our customers are handled efficiently and effectively. If hired here at BANK Simpanan Nasional, my first goal would be to get to know everyone on the team that I would work with, what their roles are and how to best communicate with them."

      Ryan's Answer

      "My top quality is my ability to communicate, both verbally and through writing. I have excellent interpersonal speaking and listening skills and my past colleagues have always appreciated this. Here at BANK Simpanan Nasional, your clients would appreciate this in my work as well. I am a very efficient and effective written communicator as well and this would be very beneficial at a company like BANK Simpanan Nasional, where your offices are spread throughout the country and I can imagine that email communication is vitally important."

  11. 11.

    What do you know about BANK Simpanan Nasional?

      BANK Simpanan Nasional makes it easy to find out basic company information by simply browsing their website. You can also search employee reviews to learn about experiences interviewing and working there. Share a few of the facts you learned from researching the company.

      Ryan's Answer

      "I was impressed by the variety of services you offer your customers, and the mission statement at BANK Simpanan Nasional. I found the mobile app extremely user-friendly, and I like the new features that help customers save money."

      Ryan's Answer

      "I've read great things about working there and I'm excited for the opportunity to work in such a fun environment.Your employee reviews are strong and I understand that you spend a lot of time with community outreach programs."

  12. 12.

    BANK Simpanan Nasional strives for client loyalty to keep us running strong into the future. What do you feel are the keys to retaining clients for the long haul?

      Businesses in financial advising are constantly pushing the limits to ensure that they retain clients and BANK Simpanan Nasional doesn't take client retention lightly. One slip up and a high profile client will be taking their business to a competitor. For this question, your interviewer will be looking to hear that you understand your role in the customer retention equation and how you take pride in that in your everyday work. Make sure to hit on the point that doing the small things, like prompt communication and follow up, go a long way towards keeping clients happy.

      Ryan's Answer

      "I learned a few very important things from a senior mentor early in my career that I still hold near and dear to my heart to this day. First, clients expect me to be responsive to their needs to ensure that they keep their business with me. Because of this, I return phone calls and emails as soon as I can, even if that means in the evening, the early morning or on a Sunday afternoon. These small actions go a long way in showing my clients that I care. Another key to the success of my long-term clients is my ability to set and manage expectations for them. Clients desire to have a plan and know what that plan entails and I pride myself on my ability to work with them to set goals and a plan to achieve those goals."

      Ryan's Answer

      "Having lost clients in the past that went to another firm, I take that pain personally and do everything I can do to ensure long lasting relationships with my clients. For me, the first key to long term success with my clients is a proactive approach. I don't wait for clients to get in touch with me to make changes to their portfolio, I reach out to them. This action alone shows my clients that I am working for their best interest. Another action I take that shows my worth to my clients are goal tracking and quarterly progress reports that I send out to them. This is particularly helpful for clients that are working with me in their first two years."

  13. 13.

    What is one unique skill that you will bring to our loan processing team here at BANK Simpanan Nasional?

      Throughout your application process and candidate vetting process, you were brought into interview because your interview was confident that you had the basic skills and knowledge required to handle this job. Now, your interviewer is giving you the opportunity to set yourself apart from your competition with this question. As you prepare for this type of question, try to think of a unique skill that you have that can prove to be a big asset if BANK Simpanan Nasional offers you the job. In your answer, be sure to explain why this skill applies to this role.

      Ryan's Answer

      "I think the one skill that I have that sets me ahead of the rest running for this position is my experience and success in the world of sales. As you can see from my resume, my career out of college started in auto sales. In my five years of sales, I worked my up from Associate Sales to a Sales Team Lead at my dealership. Getting to know and master the sales side of the business has really helped me on the finance side with overall knowledge of the business and developing the skills needed to upsell customers on their loans."

      Ryan's Answer

      "As you can see from my experience, I have extensive leadership experience in leading teams of up to 12 employees and I also have remote working experience. Both of these duties have really given me confidence in my decision making abilities. If hired for this position, I would be able to hit the ground running on day one and be trusted with critical decisions where you might not have that ability with other candidates that don't have leadership experience."

  14. 14.

    What do you want to accomplish at BANK Simpanan Nasional?

      Set some goals so that you can share how this position at BANK Simpanan Nasional will help you to achieve them and how you will add value to BANK Simpanan Nasional along the way.

      Ryan's Answer

      "First and foremost, I want to deliver top quality service to customers of BANK Simpanan Nasional and perform my responsibilities with best in class service. I want to work at BANK Simpanan Nasional because I want to become a financial advisor. Starting out as a professional banker will give me valuable experience resolving client account issues and providing financial assistance, from investments to savings and travel advice."

      Ryan's Answer

      "My primary goal is to achieve a leadership position within the banking industry. To do this, I will continue my related education and take any training opportunities that come my way."

  15. 15.

    Tell me about your education. How has it prepared you for this opportunity with BANK Simpanan Nasional?

      Share some of the highlights from any of your relevant courses from high school, college, university or on the job training. Explain how your experiences will enhance your performance.

      Ryan's Answer

      "Getting a Bachelor's Degree in Business Finance was a great experience. I especially enjoyed my accounting courses because they challenged me to think more critically and furthered my analytical skills. I know these skills will help me to handle work at BANK Simpanan Nasional and advise clients on important financial decisions."

      Ryan's Answer

      "The bulk of my education has been on-the-job training with my current company. They value continued education and have a tuition reimbursement program which I am happy to have taken advantage of. This year I have taken additional courses in calculus, negotiations, and building a sales pipeline. All of these courses will help me in this role with BANK Simpanan Nasional because you are customer service focused while also needing employees who understand banking related concepts and calculations."

  16. 16.

    Tell me about your cash handling experience.

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  17. 17.

    How do you stay organized?

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  18. 18.

    What experience do you have working on an advanced phone system and what skills do you have that you feel would be essential to work with our clients over the phone?

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  19. 19.

    Have you ever operated a currency counting machine or a coin counter?

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  20. 20.

    Why do you want to pursue a career in the banking industry?

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  21. 21.

    Here at BANK Simpanan Nasional, part of your job will entail talking to our customers about sensitive and confidential information. How will you handle these situations if offered this position?

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  22. 22.

    How would you rate your comfort level receiving money and counting back many to our customers here at BANK Simpanan Nasional?

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  23. 23.

    If a customer at BANK Simpanan Nasional had increased savings as their main personal financial goal, what steps would you take with them to get them started down the right path?

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  24. 24.

    At BANK Simpanan Nasional, our Personal Bankers work with clients from all different walks of life. How do you handle working with many different personalities throughout the day?

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  25. 25.

    At BANK Simpanan Nasional, we are building a very team based culture. If hired for this position, what would you be able to contribute to this team based culture?

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  26. 26.

    How do you build rapport with those that you work closely with?

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  27. 27.

    On the finance side of BANK Simpanan Nasional, we expect our representatives to be ingrained in our sales focused culture. If hired for this role, how would you learn and embrace our sales process?

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