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DFCC Vardhana Bank Interview
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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

In your mind, why is it important that DFCC Vardhana Bank focuses on customer service?

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DFCC Vardhana Bank Interview Questions

  1. 1.

    In your mind, why is it important that DFCC Vardhana Bank focuses on customer service?

      The customers are the lifeblood of a bank and without them, DFCC Vardhana Bank wouldn't be able to thrive or possibly even stay open for business. With this question, your interviewer will be most interested in hearing why you believe that customer service is important for this role as a Teller and then hear what skills you will help bring to this role. As you prepare for your interview, be sure to think about your prior customer service experience and think of ways that you can draw upon that experience in this role with DFCC Vardhana Bank. In the end, make sure that your interviewer walks away from your conversation confident in your ability to provide the best customer service possible.

      Ryan's Answer

      "Having worked in retail for all of my career up to this point, I have customer service engrained in my brain and know I have the skills necessary in this area to be the best I can be for your customers. I have to be knowledgeable about products, pricing and options to be able to answer any and all questions that come my way. I also need to be a great communicator and have excellent listening skills to really get to the individual needs of each customer. In the banking world, I imagine that competition between institutions is fierce and often the main draw between your institution and a competitor is the excellent customer service that you provide. If hired at DFCC Vardhana Bank, I'd look forward to helping be this differentiating factor for existing and future customers."

      Ryan's Answer

      "Customers in any industry have become more tech savvy and self aware now more than ever and the service they are provided is often the key determining factor in where they take their business. I'm sure that DFCC Vardhana Bank puts a lot of time and resources into training staff in customer service skills. Coming into this role, I have a lot of extensive training in customer service. In the past few years, I've attended online and in-person trainings on telephone customer service, upselling skills and the generational gaps in customer service expectations and would love the opportunity to showcase my skills with your customers here at DFCC Vardhana Bank."

  2. 2.

    What are your thoughts on working in a position here at DFCC Vardhana Bank that had a lot of routine tasks each day?

      A position as a Teller with DFCC Vardhana Bank will entail many job functions that can get repetitive from day to day and your interviewer is looking to hear that you are able to perform these tasks with focus and ease each day that you are required to. As you prepare for and answer this question, be sure to talk about past positions where you've thrived with routine tasks. As well, keep your answers focused on the positive by explaining why these routine tasks are important and how you always pay attention to detail no matter how mundane a task may be.

      Ryan's Answer

      "I would have to say that I handle routine work very well. In my current role, a majority of my day is handling routine labeling and shipping tasks. By staying in the moment and remaining focused in my work, I ensure that I take all necessary steps each and every time to ensure that my customer's needs are satisfied each and every time. In this role, the customers at DFCC Vardhana Bank rely on accuracy and timeliness and I would be able to bring that in any duty that I was tasked with."

      Ryan's Answer

      "For me, an end goal, customer focused approach is important in any work that I do and it is extremely important for very routine tasks. While my current position has a lot of routine tasks that I handle every day and week, understanding why these tasks are important helps me to stay on track and on time with them. If hired to join the team at DFCC Vardhana Bank, I would make sure that the focus of my orientation would be for me to understand how each job duty positively influences customers that I interact with."

  3. 3.

    Suppose you were on the job here at DFCC Vardhana Bank and a customer came in to complain about a fee charged for an overdrawn account. How would you handle the situation with that customer?

      As a Teller with :company, an important job expectation will be for you to handle customers that come to you with issues. While their issues can stem from a majority of reasons, your interviewer wants to know that you have the wherewithal to handle these situations with patience and a sense of calmness. As well, they'll be looking to hear that you have the ability to pull from the resources available to you to help resolve the situation. As you answer the hypothetical question, don't hesitate to draw upon past experiences where you've handled customer issues directly and use your experience in those to help project how you would handle similar situations with DFCC Vardhana Bank.

      Ryan's Answer

      "If in this situation on the job here at DFCC Vardhana Bank, I feel it would be most important to hear the customer out and let them explain their situation. Then, I would talk about the bank's policies on overdrawing accounts and explain that there is no wiggle room within those policies. Most importantly, I would make it my responsibility to connect the customer with any available resources to help them prevent similar situations in the future. This helps the customer know that DFCC Vardhana Bank cares about their financial well-being and is willing to help them moving forward."

      Ryan's Answer

      "In my current job, I often have to work with customers face to face when they enter our store with issues and I would take the same approach here that I do with them. First, I listen intently to their complaints and actively listen by explaining to them what I heard. Then I have to use my best judgement at hand to consider how to move forward to resolve their complaint. If the issue was a bad product, I follow our return policies and assist the customer as best as I can. If their issue involves our service, I direct them to the appropriate manager to resolve their situation. If hired for this role, I would work hard from the start to learn the ins and outs of all aspects of DFCC Vardhana Bank so I could be resourceful in working with customer complaints."

  4. 4.

    On the finance side of DFCC Vardhana Bank, 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?

      As an experienced loan or finance professional, your interviewer is likely very confident in the skills that you would bring to the team. This question gives them the opportunity to how you will fit into the unique culture with the team at DFCC Vardhana Bank. Because they are a sales focused organization, your interviewer will expect anyone in this role to embrace that culture. In your answer, talk about your ability to partner with sales staff by using your strong people skills. As well, give your interviewer a sense of how you go about learning new processes if hired for this position and don't hesitate to give an example from your past on how you've done this.

      Ryan's Answer

      "Knowing that the main goal of DFCC Vardhana Bank is to sell more products, I understand my role on the finance side is to provide customers with the best options for them to walk out the door as a lifelong customer. If hired for this role, I will take the time over the first weeks on the job to fully understand your product line, costs and typical financing procedures so I can hit the ground running in no time. In my current role, I communicate very regularly with our sales staff on each customer that we work mutually together with. It really helps provide the best customer experience possible and absolutely helps boost sales."

      Ryan's Answer

      "I would fully expect that a good part of my orientation process into this role at DFCC Vardhana Bank would entail a full education on the sales part of the business. I would look forward to working closely with and learning from the boots on the ground sales staff as that would give me great insight into the customers that I would be working with. From there, I would be able to build relationships with the sales staff and build a bond moving forward."

  5. 5.

    Talk about your experience in mortgage loan closing. How would this experience be beneficial to our team here at DFCC Vardhana Bank?

      As a Loan Consultant with DFCC Vardhana Bank, 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 DFCC Vardhana Bank.

      Ryan's Answer

      "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 DFCC Vardhana Bank, 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."

      Ryan's Answer

      "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 DFCC Vardhana Bank."

  6. 6.

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

      Before your interview, take some time to think through your career goals. DFCC Vardhana Bank 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!

      Ryan's Answer

      "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."

      Ryan's Answer

      "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!"

  7. 7.

    What do you want to accomplish at DFCC Vardhana Bank?

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

      Ryan's Answer

      "First and foremost, I want to deliver top quality service to customers of DFCC Vardhana Bank and perform my responsibilities with best in class service. I want to work at DFCC Vardhana Bank 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."

  8. 8.

    What do you know about our services here at DFCC Vardhana Bank and why do you feel we'd be a great place to work?

      With this question, your interviewer is looking to see that you have done your prep work and research on the company for this interview while also looking to hear why you feel they are set apart from their competition in the banking industry. Most banks have very similar operating structures and company cultures, so be sure that you try to differentiate DFCC Vardhana Bank from their competitors in your answer. If possible, try to relate your answer to the organization's mission statement and or core values that would be found on their website.

      Ryan's Answer

      "As a well known and reputable bank, I have heard from many friends and family members that your checking, savings and loan services are top notch. As I researched a great place to begin a career as a Taller, I was really attracted to your core values of making a difference and taking ownership. As a person that has the desire to be emotionally invested into my work, these are two things that I hold near and dear to my heart as well. If given the chance to join the team here at DFCC Vardhana Bank, I would give it my all to e accountable to your customers in making a small difference in their day."

      Ryan's Answer

      "What I really love about DFCC Vardhana Bank and what draw me this role here is your commitment to community service and being an advocate for the lower income class of our society. Many people with lower income and poor credit are often not given the same financial opportunities as others and I really feel great about the things that you do to be better for them. As well, I am firmly rooted in community service and would be all in with these efforts if given the opportunity to join the team here at DFCC Vardhana Bank."

  9. 9.

    At DFCC Vardhana Bank, 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 DFCC Vardhana Bank 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

      "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 DFCC Vardhana Bank 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

      "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 DFCC Vardhana Bank, I will work hard to be highly educated in your services and be proactive and accountable in every interaction that I have."

  10. 10.

    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 DFCC Vardhana Bank, 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.

      Ryan's Answer

      "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."

      Ryan's Answer

      "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."

  11. 11.

    Our clients here at DFCC Vardhana Bank 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?

      DFCC Vardhana Bank looks to set themselves apart from their competition by delivering the best service possible in the industry. You, as a customer service professional, are likely used to doing this so in your example, be sure to think about a time where your going above and beyond the call of duty really impacted the overall customer experience. No matter what example you use, be sure to explain why you felt it was important to take that action and what outcomes you are aware that it produced.

      Ryan's Answer

      "A couple of years ago when I was working customer service in retail, a customer was looking for what happened to be a discontinued item of clothing for her sick mother. The easy route would have been to simply look it up, tell her it was discontinued and have her be on her way. What I did was take down the customers contact information and let her know that I could contact our person that handled archived products. If we could track it down, I would be in touch. With a simple phone call, my colleague was able to track the item down from the supplier and have it coordinated to ship directly. We put the customer in direct contact with the supplier and she was as happy as could be. Looking back on that situation, I felt that it was the right thing to do given the situation that the customer was in and knowing she was a loyal customer of ours."

      Ryan's Answer

      "My current role in hospitality often has me working with very high profile customers that come to our hotel. Last year, a touring manager for a musician contacted me regarding and upcoming stay for the musician. I proactively asked for their dining and entertainment preferences and with that list, I was able to work with our catering staff to ensure we had preferred items on the menus for the nights that he stayed and that we had a customized video game package in the musician's room for the his extended stay. Prior to him leaving, his manager reached out to thank me for the great service!"

  12. 12.

    To get to know what type of leader we'd be hiring at this branch of DFCC Vardhana Bank, how would you describe your management style?

      With your interviewer looking to hear your thoughts on what type of leader you will be, make sure not to use generic labels of different leadership styles. Rather, try and remain focused on your ability to build and maintain an effective team based atmosphere as the success of any branch at DFCC Vardhana Bank will rely on the Branch Manager's ability to do so. From there, talk about your specific skills and abilities that will really be able to foster that team atmosphere to promote branch growth and employee satisfaction moving into the future.

      Ryan's Answer

      "I take a very well rounded approach with my team that is both personable and professional and I've honed this approach through my time and experience as a senior leader. I take the time to get to know my staff and their work preferences so I can effectively delegate work as needed. I know that I am the authority for my team and I always keep an open door policy for them to approach me when needed."

      Ryan's Answer

      "I consider my management style to be a very adaptive one and I say adaptable in that I am able to cater my approach to each unique team member and each unique situation. I pride myself on promoting a fully functional team environment and I like to allow others to be part of the decision making processes. But when necessary, I can make crucial decisions and communicate those decisions with my team in an educational and firm manner."

  13. 13.

    In your own personal life, what banking products do you use and what benefits do you see in using them?

      With this question, your interviewer is seeking to first see what types of banking products you are familiar with by having you talk knowledgeably about the products that you use. Then, under the surface, your interviewer will be looking to see how you can help sell similar services to the customers at DFCC Vardhana Bank if you were hired for this role. As you answer the question, try to take a salesperson type of approach by highlighting the features and benefits of the services that you utilize with your current bank. Explain how they help you become more effective and efficient with your finances to really help your interviewer see that you have the sales type of approach if hired for this position.

      Ryan's Answer

      "First and foremost, I was very glad to jump onboard the online banking format from its inception. The online format allows me to transfer funds between accounts and even deposit checks remotely without having to take a trip to town to the physical bank. On top of online banking, I definitely use online loan application services as well. I have found them to be super easy and timesaving for me as I imagine they are for your customers."

      Ryan's Answer

      "I've really found it helpful to have all of my personal finance items with one institution. That includes loans, credit cards and checking accounts. And recently, I've learned to take great advantage of both MMA and CD accounts with my institution. I just really love the ease and convenience of this aspect and would be a great advocate of this for your customers here at DFCC Vardhana Bank if hired for this role."

  14. 14.

    If working here at DFCC Vardhana Bank in this role and you found a more efficient way of handling a job duty or process, what steps would you take in order to ensure that your idea was heard?

      Business process improvements are sought on a consistent basis in any industry and the banking industry is now exception. And because many of these process changes are initiated by frontline employees like Tellers, your interviewer is looking to hear that you will always have an open eye toward seeing improvements. As you answer this question, while there is no right or wrong answer, use a methodical approach in answering how you would approach this situation hypothetically. If you have a time that you did just this, be sure to explain that to your interviewer as well and walk through your thought process in that situation.

      Ryan's Answer

      "In any role that I've taken on during my career, I take all of the extra time and effort that I can to learn every aspect of the job. This lets me really dissect every piece of a process and enables me to look for better ways of doing things. If I were to find a better way of handling a duty or process here at DFCC Vardhana Bank, I would likely first run my idea by a colleague or two to ensure that my thought process was sound. Then, I wouldn't hesitate to bring my idea up to my supervisor where I would explain my thought process and what the benefits would be."

      Ryan's Answer

      "In my current role, I did just this a few months ago when I noticed that our triaging of incoming phone calls with customers wasn't as efficient as it could be. On my own, I started documenting incoming calls and tracking the number of times a caller had to be transferred to get to the correct person. Based on a couple of week's worth of data, I was able to draft a new routing system based on customer needs and take this to my manager. Even though it didn't take much extra effort, the work definitely paid off in regard to internal efficiency and customer satisfaction when we implemented a new system after some tweaking to my draft. With DFCC Vardhana Bank, I wouldn't hesitate to take this same approach on the job if I found a better way of doing things."

  15. 15.

    Do you have any experience or knowledge in detecting counterfeit cash or checks?

      Over the years, the banking and retail industries have had to invest a lot into the detection of fraudulent checks and counterfeit money as fraudsters have become more and more savvy in the making their counterfeit currency look more real. If you don't have direct experience working with the different detection techniques, be sure to do as much research as possible prior to your interview to speak knowledgeably about the different ways money is being counterfeited and the steps banks are taking to counteract it. If you do have knowledge and experience, be sure to talk about they things you've used to help prevent the passing of counterfeit money up to this point in your career.

      Ryan's Answer

      "During my time working as a cashier in high school, I have used the counterfeit pen for bills that were $20, $50 and $100. As well, I have received briefing on new currency when it is released, like the new bills with the holographs in them. If hired for this role, I'd look forward to being trained and learning more about the advancements in counterfeiting and how this role would help negate that."

      Ryan's Answer

      "While I don't have hands on experience handling cash or check transactions in my prior work, I am familiar with the ways that the treasury department is marking bills now to prevent counterfeiting. I would know how to look for specific watermarks on each bill, the raised printing and the color-shifting ink on the numerals in the lower right corner. If hired on the team here at DFCC Vardhana Bank, I would want to learn more about fraudulent checks and what measures I would need to put in place in this role to help ensure that none passed through my hands."

  16. 16.

    Where do you see yourself in five years?

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  17. 17.

    The banking industry can be stressful. Tell me about a time when you worked in a high-pressure situation.

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  18. 18.

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

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  19. 19.

    If a client here at DFCC Vardhana Bank were to be denied the financing that they desire, how would you handle that situation?

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  20. 20.

    Describe a difficult problem and how you approached it.

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  21. 21.

    What is one unique skill that you will bring to our loan processing team here at DFCC Vardhana Bank?

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  22. 22.

    At DFCC Vardhana Bank, we value diversity in our customer base and on our team. How do you work effectively with people from different backgrounds ?

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  23. 23.

    How do you define success?

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  24. 24.

    What would you do if you saw a colleague breaking company policy? What if they were stealing something as little as $5?

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  25. 25.

    What is the greatest challenge you have faced in your career so far? How did you overcome it?

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  26. 26.

    How do you respond to problems that require a quick solution?

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  27. 27.

    What are one or two of the aspects that you think you would love about our Teller job at DFCC Vardhana Bank?

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