The interviewer would like to be assured that you can professionally handle customer complaints. Give an example of a time you helped resolve a customer's issue.
Bank of Ceylon Interview Questions
- How would you respond to a customer complaint?
The interviewer would like to be assured that you can professionally handle customer complaints. Give an example of a time you helped resolve a customer's issue.
"A customer called me very frustrated about an issue with their bank account. I listened and told them I would be happy to help. I asked more questions to understand the problem and then suggested once I had a better idea of what might solve it. The customer was very relieved and grateful that I took the time to listen and make sense of the issue. I plan to provide consistent customer service in the same way when I work for Bank of Ceylon."
"Each customer complaint is unique; however, I have been trained to handle them all with the same method. Listen, be empathetic, and use phrases such as 'If I understand your concern...' and repeat their words back to them. This method has always worked for me."
- What is one way that you would help provide great customer service in our branch here at Bank of Ceylon?
As a Teller with Bank of Ceylon, you have the possibility of having the most interactions with clients on a regular basis than just about any other person within the branch. And due to the face to face nature of this role, the importance of the impressions that you will make on clients is essential to the success of Bank of Ceylon. For this question, tell your interview one unique trait or skill that you will bring to the lobby of Bank of Ceylon when it comes to customer service. If possible, give an example of a time that you used this with success.
"If you were to ask any of my current or past coworkers what my best skill in the workplace would be, I would guarantee that most would say it is my ability to keep a smile on my face at all times. I am a person that focuses on the positive things in each moment and that attitude really reflects well on others that I work closely with and the customers that I serve. Even when I have a bad moment or even a bad day, I still don't let that bring me down to the point that it impacts my work."
"I would say that using my communication skills to personalize my service to each customer would be extremely beneficial to the role here at Bank of Ceylon. A couple of weeks ago in my current role, I could tell a customer just wasn't having a good day by the look on their face and the sad tone of their voice. I was assisting them, I simply asked them how their day was going. The lady slowly looked up at me while a tear rolled down her cheek and told me that she had just had her dog put down that morning. I gave her my deepest sympathies and talked about my childhood dog growing up that my parents had just had put down months earlier. We shared a few funny memories of my dog and when her transaction was finished, she thanked me immensely for sharing the conversation with her. I think that my approach to communication with my customers helps brighten their day and I'd look forward to bringing that same style here."
- Tell me about a written project you had to tackle during your career. What skills did you use to ensure that your writing was error free?
Success as a Teller with Bank of Ceylon will often occur excellent written skills. While long-term writing projects won't necessarily be an occurrence, your interviewer is looking to hear in detail about a time you had to complete a written project to get a better understanding of how you will work during times that you will need to provide written correspondences in this role. As you reflect on your career, think of a time that you had to use research and teamwork to get a writing project completed and explain it in detail to your interviewer. As well, don't hesitate to talk about resources that you used to ensure that the document was as error proof as possible.
"Every year, I am tasked with writing our fiscal year end sales report that reports back up to our suppliers. Since first taking this task on four years ago, I have prided myself on my ability to write in a clear, concise and interest inducing manner. I utilize our sales reports and organize the data within the report to show by supplier. I highlight great accomplishments within the report as well. When I'm through with my draft of the copy, I have several others look through the report for errors and take feedback from other graciously."
"Just a few months ago, my manager asked me to write a letter to a client that outlined a mistake that had happened with her account over the course of a year. The end outcome was the clients account showing more money than actually existed. To write this letter, I had to work with a couple of other people to determine the facts of how the error occurred, what the impact was and how it would be fixed. Based on that information, I drafted the letter to read in a very apologetic and forthright manner. My manager was very impressed and sent it to the client following a personal phone call to her."
- As a Personal Banker at Bank of Ceylon, how would you select products to suggest to our customers?
At the heart of the role of a Personal Banker falls your ability to use your sales skills and customer service skills to match products that best suit each individual customer's needs. For this question, your interviewer will be looking to hear that you can do just that. As you answer this question, highlight your ability to learn and know the entire catalog of financial products you would have at your disposal and then switch to your sales skills mode where you talk about tailoring packages to each individual based on their needs. To really sell your interviewer on your ability, try to use a real world example where you used features and benefits to meet someone's needs in a sales related situation.
"To do this effectively, I would rely on my ability to get to know my customers and their needs and I do this through confident and friendly conversation with them. Once I know their needs and goals moving forward, I can then take a wise approach to our product base to get them involved with the products that help them meet their goals. Last year, I did this with a customer that I had over a years worth of history with. Through both email and in-person conversations, I learned that early retirement was definitely a goal of his and I used the benefits of our IRA accounts to help him open one and thrive moving forward."
"If hired for this role at Bank of Ceylon, my first goal would be to learn the entire package of personal accounts, savings, loans and investment products that customers here can take advantage of. Armed with that knowledge, I would then rely on my ability to get to know my customers and what they find important to them to help them grow and thrive into the future. I believe that my background in sales will help me to match the great products here at Bank of Ceylon with each individual's needs because I've done this in both the automotive sales industry and the food industry."
- Tell me about your experience in the banking industry.
Share details of your banking experience to show Bank of Ceylon you have what it takes to be successful in the field!
"When I worked as a bank teller, I learned how to deal with difficult customers and handle a variety of transactions, from ordering foreign money for travel to removing overdraft fees and educating customers on our products. I used my careful attention to detail to keep my drawer balanced and manage my daily tasks without error."
"I have 12 years of experience in the banking industry, first as an administrative assistant, then a bank teller, and now; a financial advisor. I have learned a great deal along the way and look forward to putting my experience to work for Bank of Ceylon."
- Customer service is the name of our game at Bank of Ceylon. If hired for this role, how would you be able to provide the best customer service possible to our clients?
While following all of the steps of a mortgage process and handling client inquiries along the way is the foundation to success in this position, you will be relied on to provide the best customer service possible to all clients because the mortgage section at Bank of Ceylon is just one small piece of the pie in their business. If a client feels like they weren't handled with respect and compassion, they could take all of their business elsewhere and see an impact financially because of it. To show that you can provide top-notch customer service in this role, talk about how you provide a personalized experience for the clients you work with and talk about the interpersonal skills you possess that make this possible.
"With any customer that I work with, I take the time to get to know them and listen to their thoughts, concerns and questions right from the start. I like to hold what I call an intake session to listen to all of these things. After hearing each customer out, I then talk about what I can do to alleviate their concerns and answer their questions right from the start. From that point forward, my customer service skills go the extra mile by staying in constant communication with my clients through either email or phone because I feel that over communication is important right from the start. As human, we have a desire to know what is happening all of the time and I make time to do this for my clients. Last, my customer service starts and ends with a positive attitude and a smile on my face. I take pride in being a front facing representative of my company and work my tail off to ensure that customers know that my company is there for them."
"In my experience, provide the best customer service comes down to doing the little things right. While often overlooked by some in our industry, a smiling face and simple conversations to get to know your customers can go a long way towards building a foundation for a great long-term relationship and I don't take these little things lightly. Even though I may be experiencing a huge workload or stress somewhere else on the job, I am focused and happy when I am face to face or on the phone with the client. At those times, they deserve 100% of my attention and focus and they get that every single time."
- Why would our clients here at Bank of Ceylon want you to be their financial advisor?
As a professional in financial advising, you know that relationships are built on trust and integrity and for the business at Bank of Ceylon, this is equally important. For your answer, your interviewer will be looking how to hear how you build trust with your clients to ensure that they are customers for life. In your answer, make sure that trust and integrity are common themes as you discuss how you work with each client's individual needs to build their portfolio.
"Looking back on my career to this point, I can say with confidence that my success, and the success of my clients, has been due to my ability to build trusting relationships. My path for building a trusting relationship consists of education, communication and action. I educate each client on a personal level, I set expectations for them and deliver on what I say I'm going to do. If hired for this position here at Bank of Ceylon, you'll be hiring a Financial Advisor that will be great at bringing aboard new clients as I have many current clients that I am confident will follow me here."
"Like in any financial advising relationship, confidentiality and integrity are of utmost importance to clients and these are pieces of the relationships with my clients that I hold in the highest regard. My clients know that I can be trusted to safeguard their personal information and use the best resources possible to help make the best decisions for them based on their personal information and situation. I pride myself on the fact that my clients trust me with their personal information and your clients will have this trust in me as well if I'm hired for this position."
- As a Personal Banker with Bank of Ceylon, why is providing tailored customer service important? How would you make this a priority if hired for this role?
In the banking industry, customers all have very unique financial situations and personality types so a very customized approach is required to make each customer feel valued. In this role as a Personal Banker, your customers will expect that you tailor your approach to meet their needs. As you answer this question, be sure to talk about the ways that you get to know your customers to best work with them. On top of that, explain the importance of taking an empathetic approach with your customers and talk about why an empathetic approach is important when working with a customer on their financial needs.
"As in my current industry, I understand that your customers here at Bank of Ceylon all have their own unique financial situation and needs in how I would work with them. Because of that, I have to work with each person on their own individual terms rather than taking the same canned approach with every customer I would work with. To help provide the most tailored customer service possible, I would take the time needed to get to know my customers and their needs and then work with them moving forward in their goals. As personal finance can often be frustrating, I would take my time to listen and understand my customer's frustrations as well to show that I truly care in helping them create a solid plan moving forward."
"A tailored approach in customer is really easy when you listen, listen and then listen some more. By reflectively listening to my customers, I'm able to get to know them quickly by name, learn a bit about them personally and learn their financial goals for the near and long term moving forward. With that information, I can them formulate the best customized plan for them and that is very important for them to know that my approach was created with their needs at the forefront. With that in mind, the customer then has a much better chance of becoming a life-long customer at Bank of Ceylon."
- Give me an example of how you keep track of details while engaging in conversation.
Multi-tasking is a great skill to have within the banking industry. Share a situation that demonstrates your ability to handle the daily tasks of a busy banking environment.
"A customer came into the branch with multiple requests. To ensure that I addressed each of their needs, I wrote down a few notes for myself to gather the information. This was also helpful because when I needed to answer the phone in the middle of the transaction, I didn't forget any of the important details and I was able to resolve both requests promptly. All the while, I kept the customer engaged and made sure their banking experience was enjoyable."
"To keep track of transaction details, while engaging in conversation, I will ask the customer questions or repeat what they are saying to me. This helps me to commit their needs to memory while still appearing engaged, and in the moment."
- Talk about your experience in mortgage loan closing. How would this experience be beneficial to our team here at Bank of Ceylon?
As a Loan Consultant with Bank of Ceylon, you will be tasked with guiding clients through the complete mortgage process. This will include seeking the best funds available, completing paperwork and seeing the loan through to closing for them. For this question, your interviewer can a good sense of your experience by taking a look at your resume, but they're looking to get more details on your mortgage closing experience by having you talk in detail. Be sure to discuss your specific experience and tie what you can to this specific role with Bank of Ceylon.
"As you can see from my resume, my current role involves a lot of detail in the loan closing process for the customers that I work with. I assemble and prepare closing documents and coordinate the details of the closing process when all terms of the sale are met. In this role with Bank of Ceylon, I think that my hands on approach that I currently take with my customers would suit your clients well because I take the time to work with them one-on-one and never hesitate to provide top notch customer service to any person that I'm working with."
"Having been in the mortgage business for over ten years, I have a vast amount of experience in seeking personalized mortgage options for clients and walking them through the entire loan process. I am familiar with the processing of necessary loan closing documents in several state and know all of the fine details that are required to ensure that there are no hiccups in the process for clients. This experience would allow me to hit the ground running in this role here at Bank of Ceylon."
- If a client here at Bank of Ceylon were to be denied the financing that they desire, how would you handle that situation?
As a Loan Officer at Bank of Ceylon, 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 of Ceylon for business in the future.
"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."
"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."
- Tell me about your cash handling experience.
Share some of the details of your experience in cash handling, which are relevant to the position.
"As a bank teller, I have handled cash as a part of customer transactions for the past two years. I am experienced with deposits, savings withdrawals, cashing checks and issuing traveler's checks. I am excited to learn more about Bank of Ceylon cash handling procedures."
"The majority of my cash handling experience includes my time in retail. I was a cashier at Store ABC for three years. As far as the banking industry goes, I have some experience in handling cash from my three months with Bank XYZ."
- If you were on the job here at Bank of Ceylon and noticed that a change in process or procedure could be beneficial, how would you approach that with your supervisor?
This question allows your interviewer to gain insight into a few different things about how would you work as part of the team with Bank of Ceylon. First, they'll be looking to gauge your ability to see possibilities for improvement, so try to think of a time that you did just that in the workplace. They'll also be looking to hear that you are always willing and able to approach your supervisor in a constructive manner. When answering this question, be sure to stress to your interviewer that being complacent won't be on your agenda if hired for this position.
"Knowing that a workplace continuously changes when it comes to customers and products, I as an employee need to be fluid in how I work and I am continuously looking to do things more efficiently. In my current role, I approached my manager last year about reconfiguring our customer lobby area to accommodate more customers while also being handicap accessible. He thanked me and took the idea to our leadership team and within weeks new furniture arrived and an unnecessary wall was removed."
"I wouldn't hesitate to approach my supervisor with any creative ideas if hired on the team here at Bank of Ceylon. With any supervisor I've had in the past, I've always appreciated an open door policy as staff on the front lines of the business are able to best see that need for small or large changes. Recently, I approached my supervisor with a great new idea that would help boost customer sales in our retail store. With not having the confines of a chain outlet, he let me lead a team of individuals to implement the change in the store. What we did was choose a high profit item each week and place it on display in front of the cash registers to promote an impulse buy at the register. Through the initial weeks of trialing this, sales numbers for the products each week more than doubled prior weeks when not on display."
- In this finance role with Bank of Ceylon, what do you feel would make for an ideal customer experience?
In a role as a Loan Processor or Loan Officer, simply following company guidelines and answering questions from customers can be done by a robot. Bank of Ceylon will be looking for you to help provide the best overall customer experience possible. For this question, they'll be looking to hear what great customer service on the lending side of the business means to you. No matter how you answer this question, be sure you explain the importance of making the customer feel valued in your approach with them.
"In this role with Bank of Ceylon, I will be dealing with the financial impact on customers of a really large purchase and this type of purchase often causes stress and tension for them. To provide the best overall experience, I will always be very thorough and educational in my approach to make sure that every question that the customer has is fully answered. The worst thing that can ever happen is for a customer to bite off more than they can chew when it comes to a new loan."
"My approach to providing the greatest overall experience to my clients has always been solid listening and communication skills with them. I take the time to get to know my clients and what makes them tick. This approach gives me great insight in how I can best match them with the right loan moving forward. As you'll see when you contact my references, I have a very high overall customer rating in my current role based on customer surveys we have done over the past five years."
- Do you have any experience working with banking teller software?
While having direct experience in a bank setting working with related software is great in helping minimize training time when you would start on a job, it is not necessarily a requirement for the job. Banking software programs often resemble other accounting type software as well. What your interviewer will be looking to hear in the answer to this question is that you have familiarity in working with a few different types of software programs and have the flexibility to learn and thrive new systems. Talk in details about the types of programs you have mastered in your career and make sure that your interviewer walks away from your interview knowing that you will be able to master their system in short order.
"While I don't have direct experience utilizing Teller software, I am confident that I can quickly and efficiently learn your system if hired for this role with Bank of Ceylon. In my current role, I've mastered two different CRM software systems. In my role, I entered new customer information and maintained the systems with any changes needed over time. As well, I became very proficient at providing up to the minute, customized reporting to leaders that would request it."
"Throughout my time with my current financial institution, I have worked proficiently with the Oracle FLEXCUBE program and MX for Banking software. With each program, I was able to learn and master the programs quickly. Right now, I serve as the trainer that works with new tellers for three of our branches. During the training sessions, I spend up to four hours with our new hires to help them learn the systems."