Top banks, like Bank of New Zealand, process thousands of loan applications a year, so you will likely encounter a rejection at some point. It's important to demonstrate that you know how to handle this situation. Describe your approach to letting customers know they have not been approved, and include soft skills like empathy, compassion, and kindness in your answer. Also, incorporate ways that you soften the blow to the customer. For example, perhaps you advise them on how to improve their credit or help them find alternative solutions.