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Lincoln Financial Group Interview
Questions

28 Questions and Answers by Ryan Brunner

Published April 17th, 2020 | Ryan has over 10 years of experience interviewing
candidates in the healthcare, public service, and private manufacturing/distribution industries.
Question 1 of 28
Give an example of a time that you had to resolve a difficult situation with a client or customer. What were the keys to coming to a successful solution?
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How to Answer
In a front facing role with Lincoln Financial Group where you will be interacting with clients on a daily basis, your interviewer wants to be ensured that you have the skills to resolve client issues with ease and they'll look to do so with this question. In your answer, let your interviewer know that you can take ownership of any situation by talking about a specific time where you did what was necessary to alleviate a difficult situation with a client. Talk about the resources that you used and your interpersonal skills that helped turn a potentially bad situation into a successful one.
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1.
Give an example of a time that you had to resolve a difficult situation with a client or customer. What were the keys to coming to a successful solution?
In a front facing role with Lincoln Financial Group where you will be interacting with clients on a daily basis, your interviewer wants to be ensured that you have the skills to resolve client issues with ease and they'll look to do so with this question. In your answer, let your interviewer know that you can take ownership of any situation by talking about a specific time where you did what was necessary to alleviate a difficult situation with a client. Talk about the resources that you used and your interpersonal skills that helped turn a potentially bad situation into a successful one.

Ryan's Answer #1
"Having worked in customer service for one of the areas largest auto dealership for the last six years, handling difficult customers was a situation I had to learn to handle pretty quickly. Just a few weeks ago, I was covering our front desk on a Saturday afternoon when our sales staff was still open for business. I recognized the person approaching the door as a customer that had recently purchased a new vehicle. He stormed through the door, placed his keys on the counter in front of me and said that he demanded a refund on his new purchase because the check engine light had already come on inside of the car. Knowing off the top of my head that his new vehicle was under a full warranty, I calmly let him know that his car was under warranty and that I'd have a member of our sales staff come out and take a quick look. I also let him know that our service department was not working that afternoon and, if needed, we could schedule him for a diagnostic test at his earliest convenience. After our salesman went out to take a quick look and not seeing anything obvious, we ended up giving him a loaner vehicle so his new car could be taken care of on Monday morning. He ended up leaving pretty happy that day and I know that my patience in hearing him out really helped."
Ryan's Answer #2
"A couple of years ago, I was asked to work with a very high profile client for his financial advising services when he came to our firm because my CEO trusted I could handle what he felt would be a difficult task. From my first meeting with the client, he demanded that we provide more returns than the previous firm that he worked with and he was rather rude with our front desk staff. I took the approach of taking the time to listen to his needs and speak to him more about what my firm could provide. I laid out my experience and track record for him to help him build his trust in me. I knew that with him, I would need to take time to walk through my decision making processes for his investments and he really appreciated that. As of today, we are still working strong together and his wealth is growing."
2.
Among the common issues that are faced by Data Analysts in their work, which one or two problems do you feel really challenge analysts in the financial industry?
While the challenges faced by general data analysts makes for a pretty long generalized list, this question is allowing your interviewer the chance to see your critical thinking skills by having you talk about which challenges you feel will be critical in the financial field. While there isn't necessarily a right or wrong answer in this question, make sure that you are able to speak intelligently about your answer and provide ways with how you can meet the challenges in your work with Lincoln Financial Group.

Ryan's Answer #1
"From my two years of experience as a Data Analyst in the financial industry, of course the common issues of overlapping data and duplicate entries did come up. But I've found the biggest issue to be the collection and implementation of real-time data to be the biggest hurdle. With markets continually changing on a daily basis, I've had to be diligent about updating reports for my advisors that I work closely with because what may be valid and real one day may be out of date the next."
Ryan's Answer #2
"Having some very close contacts that are already working in the financial field in data analysis, I understand that manual data tracking can be a pain point due solely to the time needed to complete. Being highly educated in automated processes and utilizing machine learning in other industries, I think the knowledge I could bring to the team here at Lincoln Financial Group would really help advance your data analysis practices within my first six months on the job."
3.
How do you define working capital and why is it important for our clients here at Lincoln Financial Group to take this into consideration when evaluating their finances?
While it will be important for you to explain your knowledge of working capital, your interviewer will really be looking to hear your thoughts on why it is important for clients to consider as part of financial decision making processes. Give an overview of your personal thoughts on the importance of considering working capital while hitting on its ability to maximize an organizations efficiency and profitability.

Ryan's Answer #1
"While working capital is pretty simple in that is simply defined as an organization's current assets minus their current liabilities, many companies fail to see the importance in these simple numbers. My goal with clients here at Lincoln Financial Group would be to work them toward a positive working capital ratio as that allows them to have the finances on hand to grow and prosper in to the future."
Ryan's Answer #2
"Working capital essentially tells me as a financial analyst about the organizations ability to meet financial obligations in the coming years and their ability to grow prosperously into the future. With accurate financial statements, subtracting liabilities from assets shows the overall health of the finances of an organizations and their ultimate direction for the future. I have a lot of great experience helping turn around organizations that have a negative working capital into a position position in a short amount of time. The clients here at Lincoln Financial Group could benefit greatly from that work into the future."
4.
This position at Lincoln Financial Group has generate a lot of interest from applicants. What do you feel is the one quality that sets you apart from others we are speaking with about this position?
This question is the perfect opportunity for you to highlight the one key quality that makes you the best person for this position, so be sure to really think about what this one quality is ahead of your interview. While there are many ways that you can take you answer to impress your interviewer and seal the deal for you in getting the job, be sure to avoid making assumptions about the other candidates in your answer. As well, be sure to avoid anything in your answer that points to this job being convenient for you personally or the fact that you'll be getting compensated for this work. Those are quick ways for you to go to the bottom of the candidate ranking list.

Ryan's Answer #1
"As I've talked about during this interview process and from what you can see on my resume, I have all of the technical skills needed to grow your financial advising practice here at Lincoln Financial Group. What sets me apart from my competition is my drive to succeed in this industry and I'd love to bring that drive to Lincoln Financial Group to help working with your highest profile clients possible. Growing up and continuing to this point in my life, I've always been a very competitive person. I've played many team and individual sports my whole life and my drive to win in those has definitely carried over to and been a huge benefit in my work as a Financial Advisor. I'd love to bring this competitive spirit to your team."
Ryan's Answer #2
"From what I understand about this role in Client Services with Lincoln Financial Group, my day to day work will include a lot of client interaction and I really feel like the job description was written with my skills and abilities in mind. But the thing that will really set me apart for being the perfect fit for this role is my experience on the sales side of things where I spent five years of my working career in the retail sales industry. In sales, I have developed key skills like product knowledge and selling skills that would be very beneficial to this role."
5.
Working on the insurance side of our business here at Lincoln Financial Group, we'll expect you to be creative in your approach with clients. Give an example of a creative way that you worked with a clients and explain how it benefited everyone in the en
On the insurance claims or strategy side of the business with Lincoln Financial Group, utilizing a creative approach to your work will be necessary to show clients that your work can truly benefit them. In your answer, try to use an example that demonstrates outside of the box thinking on your end to give the best service possible to a client that creates a win-win situation for all. Make sure to talk about lessons learned from that example that you can carry forward into this job with Lincoln Financial Group.

Ryan's Answer #1
"As a property claims adjuster for many years, I quickly learned that I needed to be creative when on the site of a fire or a property damaged by major weather incidents. Just last year, I spent a week covering an area that was ravaged buy a tornado and I utilized drone technology to get photos to be able to assess damage that would've normally put me in pretty great danger. I took the time to learn how to fly the drone and use the video and photographing capabilities built into it and was able to work quickly and efficiently while onsite. This greatly helped me write accurate claims while also speeding up the claim process for our insured clients."
Ryan's Answer #2
"As an advisor who has worked with many clients on their insurance needs, I have many examples of thinking outside of the box when looking at great options for them. Two years ago, I was the trusted financial advisor for a very high profile client. With his children now out of the home and a couple of business flourishing, I helped him create a life insurance policy that would see that his family would be set for life should something bad happen to him. The creative thinking on my part came in relation to how the client had written his will and how we organized his beneficiaries as part of his term life plan. During this process, it was important that I was up to speed on all of his assets so I could help work with him on the best plan possible."
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