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.
Bank of Tokyo-Mitsubishi UFJ Interview Questions
- Tell me about your education. How has it prepared you for this opportunity with Bank of Tokyo-Mitsubishi UFJ?
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.
"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 of Tokyo-Mitsubishi UFJ and advise clients on important financial decisions."
"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 of Tokyo-Mitsubishi UFJ because you are customer service focused while also needing employees who understand banking related concepts and calculations."
- The banking industry is built on trust and this is no different at Bank of Tokyo-Mitsubishi UFJ. Do other people you have worked closely with consider you to be trustworthy?
While the easy route for this question would be to simply answer yes and move on, your interviewer will be looking for you to talk about a specific situation or two where you proved your ability to be trusted in the workplace. Take the time to think about a time where trust was instilled in your beyond your normal job duties and explain the situation to your interviewer. Be sure to explain why the situation was important, what you learned from it and how it helps you be seen as a more trustworthy candidate for this role at Bank of Tokyo-Mitsubishi UFJ. In the end, remember that the ability to be trusted as a Teller with Bank of Tokyo-Mitsubishi UFJ is one of the premier qualities that your interviewer will be looking for in an ideal candidate for the role.
"If you were to ask any former colleague or manager that I have worked with, they would all say that I am worthy of any trust you would instill in me. In my current role, my manager has given me the duty of physically transporting our daily bank deposits and has given me a set of office keys and the code to the security system as a backup to our management staff. In my five years with the organization, I have proved myself to be trusted with these duties through my error free work, great attendance record and honesty."
"I have always put it on myself to try and cross-train and learn as many roles with companies that I have worked with in the past. As well, I've always strived to become an expert on all total process at any given job. Because of this extra effort, my current manager has asked me to be a department representative on a few different committees in my current organization. As well, I've also been asked to lead a few process improvement projects within our department. My manager has directly told me that I was asked to take on these extra responsibilities because of the trust that he has in my work ethic and my overall knowledge of our organization. If lucky enough to come work for Bank of Tokyo-Mitsubishi UFJ, I would bring this same attitude to the team here."
- What experience do you have in multitasking different duties in any of your prior work experiences?
As a Teller with Bank of Tokyo-Mitsubishi UFJ, you will be relied upon to have excellent organizational skills when handling multiple tasks throughout each workday. Oftentimes, customers can have multiple transactions that must be process and your job will be to ensure that the needs of the customer are handled accurately and efficiently. To gauge your ability to handle this, your interviewer is looking for you to describe a time that you had to be a great multitasker on the job. As you answer this question, be sure to point out the organizational skills that you used to ensure that all of your duties were handled with ease. If you are a new graduate, it is okay to talk about multitasking in your school or personal life as long as you see it is relevant to proving how you can utilize those same skills in this role.
"In my current role as an Administrative Assistant, I often am juggling multiple tasks at one time. While handling schedule coordination for five different managers at my company, I'm also working on setting up many different organization wide meetings where I'm required to send multiple communications out at the same time. To keep myself organized when handling many things at once, I utilize both my Outlook calendar and a written checklist to ensure that all tasks are getting done in a timely manner."
"During my years working in the restaurant industry, I became an expert on handling many tables of customers at once. While juggling the order of all of these customers, I also had the responsibilities of manning the cash register at times. This experience really helped me with accurately recording customer orders on my order pad. I also developed what I would call a multitasking mind by training my brain to keep all of my customers orders at the top of my mind. I think my years in that industry will translate well to the Teller role here at Bank of Tokyo-Mitsubishi UFJ"
- What do you know about Bank of Tokyo-Mitsubishi UFJ?
Bank of Tokyo-Mitsubishi UFJ 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.
"I was impressed by the variety of services you offer your customers, and the mission statement at Bank of Tokyo-Mitsubishi UFJ. I found the mobile app extremely user-friendly, and I like the new features that help customers save money."
"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."
- How would you rate your ability to learn new software programs on a scale of 1 to 10?
In today's digital age, a majority of bank transactions are handled through digital software and for you to be successful in this role, your interviewer will expect you to be a very fast learner of any new programs that you would be required to work with at Bank of Tokyo-Mitsubishi UFJ. To give your interviewer a sense of how well you would be able to do this, talk about times where you've had to learn new software programs on the job in the past and talk about your best methods for learning on the job. As well, you can openly talk about the programs that you currently feel that you are proficient at as well to give them an idea of what type of training you would need if hired.
"I would say that my ability to learn new software programs is easily ranked as an 8. I am very proficient at word processing programs and the entire Microsoft Suite of products. I'm also very proficient at the cloud based point of sale program that I use in my current role. When hired at my current job, I need about a day of side by side training with my mentor and I was up and running with no problems. I rated myself an 8 simply because I have room to grow in learning software in the banking industry but feel very comfortable in my ability to learn quickly if hired at Bank of Tokyo-Mitsubishi UFJ."
"I would honestly rate myself a 9 for this question solely based on my prior history of mastering programs with my current banking institution. During my five years in my current role, I began by training on SAP programs and was able to pick up and run in my role as a Teller very quickly. Recently, we made an institution wide switch to the Oracle suite and my transition there was very smooth!"
- Due to the continued explosion of the digital world, Bank of Tokyo-Mitsubishi UFJ is becoming more virtual on a day to day basis. What job duties would you see as being fluent in this role as a Teller with us?
As banks have adjusted the way they do business over time to suit the needs of customers that are becoming more automated and mobile, the traditional Teller job description has certainly changed with the advancements in technology. With this question, your interview is simply looking to gauge how flexible you would be if hired for this role because Bank of Tokyo-Mitsubishi UFJ will be relying on the person hired this role to be highly adaptable in a changing work environment. As you answer, let your interviewer know that you are aware of how rapidly the banking industry is changing and give examples of a time or two you had to be flexible in your own job duties. Then, really put thought into what you feel are ways that the traditional Teller job role has changed and will continue to change over time.
"As my own personal banking has certainly changed to the point where I hardly visit a bank lobby any more and take care of more things online, I would venture to guess that a Teller is face to face a lot less with customers than they used to be and handling more job duties over the phone and online with customers. I would envision that on top of traditional withdrawals and deposits, Tellers at Bank of Tokyo-Mitsubishi UFJ are also seen as advisors to customers when it comes to different products within the bank. If hired for this role, I would be excited to be flexible and learn new duties to become a more complete member of the team here at Bank of Tokyo-Mitsubishi UFJ. In my current role as a Customer Service Rep, I've had to be very fluid in my job duties."
"In my current role as a Teller, I've been very adaptable over the last couple of years as my current institution moved a lot of services to a virtual format. I've received extensive training on ATM troubleshooting for customers using the ATM in our parking lot. I've also been trained on our branch kiosks and tablets that customers use for loan applications and other transactions. But because many of our elderly customers still prefer traditional in-person transactions, I've never lost my touch as a traditional Teller. If hired here at Bank of Tokyo-Mitsubishi UFJ, I'd look forward to being a flexible Teller that is willing to adapt with changes moving forward."
- How do you stay organized?
Staying organized is essential to make sure that you are thorough and pay attention to details, to keep customers happy. It is also necessary for accomplishing your daily tasks behind the scenes. Share a few tools that have helped you stay on-task and on-time.
"I prioritize my workload against deadlines to stay organized, always putting the needs of customers first."
"I work closely with my peers to share responsibilities and ensure key tasks are delegated out, should there be an important deadline to consider."
- Tell us how you keep your knowledge current with ongoing changes in the banking industry.
Due to the competition within the banking industry, Bank of Tokyo-Mitsubishi UFJ 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.
"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 of Tokyo-Mitsubishi UFJ on Twitter and keep abreast of relative headlines."
"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."
- Walk me through your thought process when delegating responsibilities to others that you are responsible for. What are the important factors that influence your decisions?
As the potential next Branch Manager at this branch of Bank of Tokyo-Mitsubishi UFJ, your interviewer wants to hear that you have the innate ability to delegate responsibilities among the team that you'll be managing. For this question, they'll be looking to hear that you you can do this effectively by knowing the strengths and weaknesses of your team members and also that you know the responsibilities of each role that you'll be managing. As you talk about your ability to delegate, make sure to talk about the importance of delegating for both your own efficiency in your work and in the work of your team. As well, don't hesitate to talk about your ability to train others when needed to ensure that the necessary work gets completed.
"As a manager, I have a really great history in delegating the right work to the right people in the right amount. Any time that I delegate work, it is important that I put the work in the hands of the right person and I do this by knowing the colleagues that I manager very well. If hired for this role, my immediate goal upon starting would be to get to know my team very well. I would have one-on-one conversations with everyone during my first week and would take the time to read prior performance evaluations. After I have a comfortable handle on my team, my next goal would be to divide up work in the best way possible that gets people working to their strengths."
"My first step in a decision making process to delegate work is to evaluate the task at hand for consideration. I ask myself if it is a duty that I as a manager should be handling first. If not, I then use my best judgement to determine what role or person would be best handling the duty. I ensure that I consider factors like current workloads, KSA's of my team and impact of the task to be delegated in my thought process."
- As a Personal Banker at Bank of Tokyo-Mitsubishi UFJ, 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 Tokyo-Mitsubishi UFJ, 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 Tokyo-Mitsubishi UFJ with each individual's needs because I've done this in both the automotive sales industry and the food industry."
- 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 Tokyo-Mitsubishi UFJ 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."
- What is one unique skill that you will bring to our loan processing team here at Bank of Tokyo-Mitsubishi UFJ?
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 of Tokyo-Mitsubishi UFJ offers you the job. In your answer, be sure to explain why this skill applies to this role.
"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."
"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."
- If a client here at Bank of Tokyo-Mitsubishi UFJ were to be denied the financing that they desire, how would you handle that situation?
As a Loan Officer at Bank of Tokyo-Mitsubishi UFJ, 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 Tokyo-Mitsubishi UFJ 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."
- What is your experience in managing an overall performance appraisal process for your staff?
While your interviewer can see that you have employee management in your experience from your resume, this question is allowing you to really get into detail about what experiences you have in working through a performance appraisal process with your staff in the past. While being open and honest in your experiences, try to highlight your ability to use fair judgement in writing performance appraisals and highlight any technologies that you've used to help manage the performance of your team. As well, don't hesitate to discuss any of the difficult conversations you've had in the past with your staff as Bank of Tokyo-Mitsubishi UFJ will look to you to be an effective part of this process as their next Branch Manager.
"In my current role, I manage a team of 13 employees and our policy is to conduct appraisals near a staff member's hire anniversary. I'm a firm believer that writing an appraisal takes preparation throughout the year by documenting performance. When it comes time to writing the appraisal, we use an online performance management system that makes organizing details within the appraisal really nice. I always block time on my calendar to take the time needed to focus on putting detail to paper and don't rush through it because feedback is so important to improving the performance of my entire team."
"As you can see from my resume, I have over 10 years of management experience and within that experience, I have a lot of experience in the performance appraisal processes for my staff. I take the approach of using a fact and documented based approach with my staff rather than personal opinion. Being in a very volatile and high turnover industry right now, evaluating my staff on tangible factors is very important. Throughout my career as a manager, I've had to have many difficult conversations with staff that were put on performance improvement plans based on their annual reviews and am comfortable having these conversations in a professional, yet personal manner."
- Why do you want to pursue a career in the banking industry?
Before your interview, take some time to think through your career goals. Bank of Tokyo-Mitsubishi UFJ is looking for motivated individuals who want to grow within the company. Share your career plans. Talk about how this position will help you achieve your goals!
"I am passionate about the field of finance and accounting, mixed with an unwavering passion for quality customer service. The banking industry allows me to tap into both areas and have a lot of fun making positive customer experiences along the way."
"Careers in banking run in my family! My mother was a banker and my father, a financial advisor when I was growing up. It always fascinated me how smart they both were. It's in my blood!"