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Lloyds Bank Interview
Questions

27 Questions and Answers by Ryan Brunner

Published July 22nd, 2020 | Ryan has over 10 years of experience interviewing
candidates in the healthcare, public service, and private manufacturing/distribution industries.
Job Interviews     Companies     Money     Financial Services    
Question 1 of 27
We pride ourselves on teamwork here at Lloyds 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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How to Answer
At the heart of this question falls your interviewers need to determine how well you will work with others on the team at Lloyds Bank. You will be working with high level advisors and managers that are under a lot of pressure to perform in their jobs and your communications with them will either alleviate some of that stress or add to it. To ensure that your interviewer walks away from your conversation knowing that you are a team player that keeps the end goals of the company in mind, focus your answer on your effective communication skills, your knowledge of everyone's role on the team and your knowledge of what your role on the team will be.
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1.
We pride ourselves on teamwork here at Lloyds 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?
At the heart of this question falls your interviewers need to determine how well you will work with others on the team at Lloyds Bank. You will be working with high level advisors and managers that are under a lot of pressure to perform in their jobs and your communications with them will either alleviate some of that stress or add to it. To ensure that your interviewer walks away from your conversation knowing that you are a team player that keeps the end goals of the company in mind, focus your answer on your effective communication skills, your knowledge of everyone's role on the team and your knowledge of what your role on the team will be.

Ryan's Answer #1
"As with any team that I have worked on in the past, my priority is knowing that everyone has an important piece in the overall success of the team. In customer service, this is knowing who to contact with the right questions and who to guide customers to when needed. This ensures that our work is done efficiently on our end of things and that our customers are handled efficiently and effectively. If hired here at Lloyds Bank, my first goal would be to get to know everyone on the team that I would work with, what their roles are and how to best communicate with them."
Ryan's Answer #2
"My top quality is my ability to communicate, both verbally and through writing. I have excellent interpersonal speaking and listening skills and my past colleagues have always appreciated this. Here at Lloyds Bank, your clients would appreciate this in my work as well. I am a very efficient and effective written communicator as well and this would be very beneficial at a company like Lloyds Bank, where your offices are spread throughout the country and I can imagine that email communication is vitally important."
2.
If hired for this role at Lloyds Bank, I want to be sure that I'm hiring a motivated individual. What motivates you in your daily work and your career?
In the financial services field, you should have strong personal motivation to succeed in your work and your interviewer is asking this question to see what it is that make you tick while on the job. While being open and honest in how you stay motivated on the job, make sure that your answer doesn't include collecting a paycheck every week or two. While money is certainly a motivator in this field, make sure that you use it in an appropriate context if you decide to talk about the financial piece of this business as being a motivator. In the end, your interviewer is looking to get a sense of how he or she will be able to keep you hungry for more if you are hired for this role.

Ryan's Answer #1
"I find myself the most motivated on the job when I am being challenged and when I can continue learning new things. From what I've learned in talking to others that currently work here at Lloyds Bank, the fast paced environment and continuous changes in the industry would keep me very motivated in my work and you'd never have to question if I were truly enjoying and being motivated in my work."
Ryan's Answer #2
"At a young age, my father taught me to do what I love and love what I do and I know that as I approach the middle years of my career that I made the right career choice. The personal finance field has really blended my love of helping others succeed and my passion for statistics and computers. In this role with Lloyds Bank, I'll be working with your clients everyday on helping them achieve financial success and that alone is all of the reason I need to get out of bed every morning."
3.
Discuss a time that you worked a client through a difficult financial situation. What were the keys to making it a success for the client?
Your interviewer is posing this question to see how you will handle a situation where a client at Lloyds Bank is working through a difficult time. As you talk about how you managed that situation, your interviewer will be looking to hear that you have the interpersonal skills to be effective from the client's perspective. In your answer, be sure to explain the importance of an empathetic approach with your clients and how that approach helps them get through a difficult time.

Ryan's Answer #1
"During the recession in 2008, I had a very large client call to request that all of his funds be pulled out of the stock market. Knowing that this move was a very poor strategy, I needed him to hear that in most personal and educated way possible. With an active listening approach, I repeated back what he had told me and I reiterated that he wanted to sell them at a low price and hopefully buy them back down the road at a high price. This made the client take a pause and think. This was my opportunity to talk about market history and the odds that his stock prices would rebound over time. He decided to keep his funds in the market at the time and a few years down the road, he called to personally thank me for the sound advice. The fact that I took a personal approach while educating him in the process to make his own decision was the definite key to success in this situation."
Ryan's Answer #2
"Sometimes in this field, difficult conversations have to be had with clients and when I need to have them, I use a very personal and empathetic approach. A great situation where this happened was with a client that wasn't meeting their personal retirement goals to be done working at age 62. At the point we were working together, she was 55 years old. After a quick assessment of her finances, I talked to her about letting her two kids be responsible for their own college tuition. As a mother, her intuition was to support her children in every way possible but the reality was that it was hurting her own goals. Simply put to her, I told her that there are no loans available for retirement and that she was doing both herself and her kids a favor by taking the route I suggested."
4.
What is the most attractive thing in your eyes about this role with Lloyds Bank?
For this question, your interviewer is looking to gain insight into what you know and like about Lloyds Bank and how they will be able to help you meet your career goals. In your answer, try and stay focused on the alignment of your values with the organization's values and demonstrate that you've done your research on Lloyds Bank and the job you are interviewing for. To try and maintain positivity in your answer, try not to talk bad about a previous employer as that can make you sound like a difficult employee and raise a red flag for your interviewer.

Ryan's Answer #1
"Over the past couple of years, I've had an eye on pursuing a career with Lloyds Bank because of your reputation as a forward moving financial institution and your commitment to the communities that you do business in. As a person that believes in togetherness and helping others out where possible, these are values that I hold very high and would bring to the team here."
Ryan's Answer #2
"As I enter the midway point of my career, my job search has been focused on finding an employer that I can spend the rest of my career with and someday retire from. Looking at the history, culture and growth of Lloyds Bank, this is definitely a place that I'd love to be a part of as you continue to grow and prosper into the future."
5.
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 Lloyds Bank 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."
6.
Do you have experience working with data in a cloud computing environment?
Over recent years, more and more companies are converting to cloud based computing services because the conversion allows them to save money and have better auditing trails. As a prospective data engineer with Lloyds Bank, your interviewer will be looking to hear that you are at least familiar with the concepts of working with cloud based data. Talk in details about the experiences you have while keeping your mind open to working with more in the future if hired with Lloyds Bank.

Ryan's Answer
"My current organization has been using Apprenda, a PaaS, that allows us to develop, test and maintain our software projects. I also have experience mining and converting data off of public, community and private cloud networks. If hired here at Lloyds Bank, I think I would bring a wealth of cloud based experience to the data engineering team."
7.
What do you see as the top benefits of moving to a cloud based computing platform?
While cloud based computing has certainly had its positive impacts across many different industries, the field of software and technology development has its own unique benefits. For this question, your interviewer will be looking to hear that you understand just how a cloud based platform benefits the field. In your answer, focus on resources that impact both the work that the team at Lloyds Bank performs and the end users of the software.

Ryan's Answer #1
"Over the past couple of years in my current position, we have greatly benefited from the vast amount of testing and staging servers that available on the cloud. In developing new programs, our testing and delivery has greatly increased our team's productivity to new levels. Add on the simple cost savings of the cloud and a move to the cloud was a no brainer for us in the end. If hired for this role here at Lloyds Bank, I'd be able to bring new cloud computing ideas to your team from day one on the job."
Ryan's Answer #2
"As with any of the work that I have done in this field, I focus on the consumer and the benefits that they can reap from my work. In the cloud, updates to existing software are made available almost instantaneously and end users have access to those updates with the simple click of a button. Rewind to years prior, these software updates took time and manpower that are almost unthinkable by today's standards."
8.
We want our advising team at Lloyds Bank to be happy and healthy. How do you manage the day to day stress of being a financial advisor?
The daily stressors of a career in financial advising can be burdensome, overwhelming and lead to burnout on the job. To get a sense that you can handle stress in a safe and healthy manner and be able to come to work each day with a clean slate, your interviewer is looking to delve into your personal life a bit to see how you manage stress. When answering, you can certainly talk about the things you do on the job to keep as stress free as possible, but also be sure to talk about the things that you do outside of work to avoid burnout. Point out that you have the resources and ability to care for yourself to keep you at the top of your game on the job.

Ryan's Answer #1
"To begin with on the job, I consider myself very excellent at handling stress. Being a goal oriented person, I find happiness in obtaining goals and consider any necessary stresses in pursuit of a goal healthy. Outside of work, I am a very active person that trains for marathons and spends a lot of time outdoors with my family. I find that these activities help cleanse my mind and heal my body to prepare for a new week on the job."
Ryan's Answer #2
"When I maintain a healthy diet, exercise regularly and spend as much time as possible outside of work with my children, any unnecessary work stresses are put on the back burner and often relieved immediately. I'm a firm believer in a healthy work-life balance, even though it can be very tough to do in our field. Having the ability to answer a client email or phone call during off hours while unwinding has made our work lives better as well."
9.
At Lloyds Bank, your job as a Risk Analyst would entail keeping a close eye on interest rates for our clients. How do you think interest rates will trend in the next year?
While your interviewer knows that predicting this question isn't an exact science, they will be looking to hear that you consider all variables possible in your answer to make the best determination possible. To be successful in this role with Lloyds Bank, your future clients will rely on your ability to forecast interest rates at times and you need to have the ability to do so with the right knowledge in hand. When answering, make sure that you use a methodical approach and explain each step in the process.

Ryan's Answer #1
"In my current role that I've held for the past six years, a key to my success has been my ability to create and analyze short-term rate models that most accurately predict future interest rates for the clients that I've worked with. If you aren't familiar with the short-term rate models, they utilize a stochastic process to evolve spot interest rates to predict future rates. Just last year, my work was commended by a high profile client that I advised using this method."
Ryan's Answer #2
"As you can see from my portfolio, I have extensive training and experience in macroeconomics and I've found that macro trends are a great predictor of interest rates. With interest rates changing on a daily basis, long-term trends from a source like the treasury yield most often follow the same patter as the interest rate percentages most accurately versus utilizing short-term movements in markets, the economy and policy. To better assist my clients, I always keep a watch on the U.S. Treasury yields."
10.
Why would our clients here at Lloyds Bank 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 Lloyds Bank, 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.

Ryan's Answer #1
"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 Lloyds Bank, 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."
Ryan's Answer #2
"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."
11.
At Lloyds 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 Lloyds 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 #1
"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 Lloyds 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 #2
"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 Lloyds Bank, I will work hard to be highly educated in your services and be proactive and accountable in every interaction that I have."
12.
How do you believe your coworkers would describe you?
The interviewer would like to know how you are seen by your colleagues. Select approximately three words that truly define who you are. Be sure to choose words that radiate positive thoughts!

Ryan's Answer #1
"I believe that my coworkers, if asked, would describe me as a reliable person who is always ready to submit the best work possible. My work ethic has never been questioned, and I am very proud with the work that I have submitted in my career, so far."
Ryan's Answer #2
"Here are some other great keywords you could use:

- Encouraging
- Caring
- Knowledgeable
- Reliable
- Focused
- Honest
- Assertive
- Tenacious
- Motivated
- Ambitions
- Conscientious"
13.
Our clients here at Lloyds 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?
Lloyds 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 #1
"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 #2
"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!"
14.
What tools do you currently use to help you be a more efficient and effective Business Analyst?
While the tools that Business Analyst use can vary greatly between industries and even companies, your interviewer is looking to get the sense that you are a resourceful employee that has a good working knowledge of many different types of software programs. While being honest in your answer, try to show diversity in your answer by talking about data specific software, word processing software, presentation software and any other programs that you see fit for this role with Lloyds Bank.

Ryan's Answer #1
"Being very computer proficient, I consider myself an expert on the Microsoft products like Excel, PowePoint, Access and Outlook to help perform my job effectively. As well, I have very good knowledge of SQL databases as well. If hired here at Lloyds Bank, are there any standard software products that I would be required to work on and learn?"
Ryan's Answer #2
"In recent years, my department has started using Tableau and it has been amazing with its ability to visualize data for our internal and external customers. I've had many hours of training within the program that was tuned for business analytics and I can't say enough good things about the program. On top of Tableau, I also use Microsoft Excel and Crystal Reports on a regular basis."
15.
This position at Lloyds Bank 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 Lloyds Bank. What sets me apart from my competition is my drive to succeed in this industry and I'd love to bring that drive to Lloyds Bank 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 Lloyds Bank, 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."
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27 Lloyds Bank Interview Questions
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Interview Questions
  1. We pride ourselves on teamwork here at Lloyds 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?
  2. If hired for this role at Lloyds Bank, I want to be sure that I'm hiring a motivated individual. What motivates you in your daily work and your career?
  3. Discuss a time that you worked a client through a difficult financial situation. What were the keys to making it a success for the client?
  4. What is the most attractive thing in your eyes about this role with Lloyds Bank?
  5. 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?
  6. Do you have experience working with data in a cloud computing environment?
  7. What do you see as the top benefits of moving to a cloud based computing platform?
  8. We want our advising team at Lloyds Bank to be happy and healthy. How do you manage the day to day stress of being a financial advisor?
  9. At Lloyds Bank, your job as a Risk Analyst would entail keeping a close eye on interest rates for our clients. How do you think interest rates will trend in the next year?
  10. Why would our clients here at Lloyds Bank want you to be their financial advisor?
  11. At Lloyds 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.
  12. How do you believe your coworkers would describe you?
  13. Our clients here at Lloyds 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?
  14. What tools do you currently use to help you be a more efficient and effective Business Analyst?
  15. This position at Lloyds Bank 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?
  16. As a Business Analyst at Lloyds Bank, you will be tasked with working with diverse teams of stakeholders on different projects. How do you handle stakeholders that are difficult and bullheaded?
  17. We are looking for the most motivated individuals to join the team here at Lloyds Bank. Where you would you like your career to take you in the next five to ten years?
  18. Lloyds Bank strives for client loyalty to keep us running strong into the future. What do you feel are the keys to retaining clients for the long haul?
  19. Talk to me about a challenging situation you had to handle on the job that involved another colleague. How did you handle that situation?
  20. 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?
  21. Take a couple of minutes to sell this notepad to me.
  22. At Lloyds Bank, we expect our Business Analysts to put extra emphasis into the risk management aspects of their project work. How have you performed risk mitigation and risk avoidance in your previous roles as a Business Analyst?
  23. Give me an example of a time that you had to solve a problem without having all of the necessary information at hand to do so. How did you handle that situation?
  24. What is your familiarity with debt-to-equity ratios and what would you consider a good debt-to-equity ratio?
  25. In working with financial data here at Lloyds Bank, what are the steps you would take in the data validation process as part of your work?
  26. At Lloyds Bank, our clients are the lifeblood of our business and we do everything in our power to make them happy. What does the term customer service mean to you in your work?
  27. Tell me about a time where you had to analyze information in order to make a recommendation.
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