If you have 25 horses and no timer, how many races would you have to run to figure out the top 5 fastest horses?

"Wow, I think I remember this one. My old professor posed this question to me a few years ago. To find the fastest, you'll need to race all twenty-five horses at least once. Racing five horses at a time, you need a minimum of twenty-five races, with five horses per race. Twenty-five divided by five equals five. Then you need to compare the winners of those races, which means one last race will be necessary to determine the fastest, so six races total to find a winner."

This is a test of your analytical skills. Vocalize your answer to exhibit your thought processes and problem-solving. Also, take advantage of this opportunity to showcase your communication skills. Whether you find the answer to the question before the interview is beside the point. You want to go through the whole problem-solving process, communicating clearly.

How was the drive in?

"The drive was lovely, super scenic. Honestly, I zone out when I'm in my car. I love my car. I keep it like new and always use that time to listen to audiobooks, podcasts, or NPR and catch up on my news. I owe the Navy Federal Credit Union thanks. I have my car loan through the credit union!"

It's against the law for an interviewer to ask an interviewee if they have a car, so this question uses a legal loophole to reveal the same information. A person who doesn't have a car might be prone to all sorts of attendance issues, such as blaming their poor time management skills on missing a bus or experiencing a flat tire on their bike. But there is no legal requirement for you to inform them if you have a car or not. If you don't have a car, you can smile and tell them it was fine and comment on the scenery along the way. If you do have a car, volunteer it and share as much as you'd like in this regard. If you got your vehicle through a loan from the Navy Federal Credit Union, mention that.

What is your availability?

"I have open availability. Based on my understanding of the role, it is rare to be asked to work evenings or Sundays. Is that right? If possible, I would prefer to have two days off in a row. What kind of hours and what kind of shifts can one expect of this role?"

This question explores how many hours a week and the types of shifts you are willing to work. Depending on their scheduling needs, they may ask you to work on Fridays and Saturdays or perhaps have split days off. Address this question with transparency. If you are flexible but would like to know more before starting your preference, feel free to volunteer that. Ultimately, it tests how badly you want the job and your team mentality.

Do you have any questions about Navy Federal Credit Union or this job?

"I appreciate the opportunity to ask a few questions! What is top of mind when it comes to filling this role? Also, what types of career growth opportunities would follow this position? And lastly, do you have internal candidates also interviewing for this position?"

Not asking questions will suggest several possible red flags as a candidate. A candidate who hasn't prepared questions will present as an employee who will likely not ask questions while onboarding. This could lead to potential communication breakdowns and rework, a lack of confidence or not being self-guided in one's work, or a lack of emotional investment in securing this job. Put care, thought, and attention into preparing yourself for the interview. Make sure there's quality to your questions. Demonstrate that you are interested in finding the right fit and not just any job. Your questions should be insightful and show genuine interest in how they do things, why they do them the way they do, and anything that will offer insights into what working with them will look like. Some great questions include: What do you believe sets Navy Federal Credit Union apart from other local Credit Unions What compliment does Navy Federal Credit Union receive most often from its members What is your favorite part about working here What is the Navy Federal Credit Union's goal for this position in the next 12 months Is there anything from my background and experience that I can clarify for you Is there any reason you would not hire me

"I have a couple of questions prepared; thank you for asking. What is the biggest challenge facing credit unions in the next year? Could you share your employee turnover rate? What does your training program look like?"

"What types of career growth opportunities would follow this position?"

Looking back to your most recent performance review, what was one area for improvement and one positive?

"My most recent performance review was very positive. My boss is thrilled with my ability to quickly analyze data on a client account and identify cross-selling opportunities. One area for improvement was to speed up my work and get through my line of customers a bit faster. I am cautious at work; however, I am training myself to perform certain tasks faster without cutting corners."

This question explores your strengths and growth opportunities. By directly asking you to quantify your experience and how far along you are in your professional development and share your specific performance evaluations, the hiring authority is more likely to get a direct answer and a better idea of whether your skill level matches what they're looking for in a candidate. Great or small, but be sure to share your positive strengths or marked areas of improvement. When addressing your growth opportunities, avoid mentioning anything that would make you ineligible for the position. For instance, if you are interviewing for a banking position, your weakness should not be simple math. Also, be sure to volunteer your actionable approach to growth.

"Formal performance evaluations are not part of my regular role, but I get a lot of feedback daily. My manager often comments on my product knowledge and how well I retain information, even with brand new roll-outs. One thing that I can work on is my typing speed. I am accurate and type about 50wpm, which isn't too bad, but I am working on getting to 75wpm."

What do you enjoy about working in the banking industry?

"I have worked hard to gain a leadership position within the banking industry. Being a teller manager allows me to be on the front lines training others to have lucrative careers while still allowing me to be client-facing. I genuinely believe that my work matters, and that is what I enjoy most about a career in banking."

Job satisfaction is vital to a company's success. Employee turnover can cost employers thousands of dollars to replace well-trained employees each time one moves on to another job. When a company understands what creates satisfaction for their team members, they are better equipped to motivate their teams, ensuring a secure and healthy professional relationship. Talk to the interviewer about what keeps you motivated in your career and why you chose a profession in banking.

"Working in banking, I gain the most satisfaction from knowing my clients are gaining a solid financial future. I care about the success of my customers, and when they are well-equipped to pay off debt, save money, and even retire early, it makes me so happy!"

One small error can throw off our entire balance. How do you react when you do something wrong at work?

"I can be my toughest critic when it comes to making mistakes. If I made an error, I would tell my manager right away. If a manager were not available, I would bring the situation to the attention of a co-worker capable of helping me fix the issue. Even being pennies off in a day can make a big impact. You can rest assured that I will deliver perfection."

The interviewer asks this question to assess your problem-solving skills, leadership potential, and emotional intelligence and to determine if you hold yourself accountable for your actions. In the banking industry, even a small mistake can impact business operations. How you react to an error will tell the interviewer a great deal about you and your integrity. It will also indicate whether your approach is in the team's best interest.

"I am an honest person who is accountable and eager to learn. These traits ensure that I will take every action necessary to do my job perfectly. If I make a mistake, I want to learn from that error. I would bring the error to my manager's attention as soon as possible, so there are as few consequences as possible."

How do you maintain your patience and emotional equilibrium, even in the most challenging situations?

"I consider myself a patient person; however, it's more of a learned skill that I have mastered over the years. I never demonstrate my frustration or impatience with others in the workplace. To do so is rude and counterproductive. To boost my patience in challenging situations, I remind myself to empathize with the other person and what they may be going through that day."

From long lines, customers who move slowly or challenge bank policy, customers who hand you a mountain of change and distract you while you count, or those who are flustered due to a long line, bank tellers face trying situations every day that put their patience and customer service skills to the test. Share with your interviewer your level of emotional intelligence and how you maintain your patience, despite the circumstance. If you can inject a sense of humor into your situational example, exhibiting a great attitude, all the better. Showcasing your ability to remain patient and professional in the workplace while being a support system for your coworkers will market you as a desirable asset.

"Yes, I am a patient person. I like to learn, teach others, and take careful steps, ensuring that my work is well done. To boost my patience in a challenging situation, I remind myself that I will come out of the circumstance with more knowledge than when I went into the situation. I take the approach of a student."

What do you believe we can improve on at Navy Federal Credit Union?

"I believe Navy Federal Credit Union could serve its customers even better by having a stronger online and social media presence for each community you serve. I am very passionate about marketing and quite knowledgeable, so I am happy to help!"

This question tests your boundaries, professionalism, and diplomacy. The proper way to answer this question is by researching the measures Navy Federal Credit Union has taken to improve. Not long ago, they partnered with Blend Mortgage, "Consumer expectations are changing, and we have to deliver an elevated experience." By reading any blog posts or media attention Navy Federal has received, you can showcase your deeper knowledge of their company and share what their leaders have already identified as room for growth. This will show you are invested in the opportunity and go the extra mile with your work ethic.

"Although your community involvement is strong, there are opportunities for involvement that would branch out past seasonal volunteer work. I would love to see Navy Federal Credit Union host more community efforts rather than primarily sponsoring the efforts of others. I have an extensive background as a volunteer coordinator and could help Navy Federal Credit Union craft a great strategy for this particular community."

If hired, how will you build trusting relationships with our clients and your co-workers?

"First impressions can mean everything, so I will attempt to build a genuine connection with Navy Federal Credit Union clients and team members. I can ask your members lighthearted discovery questions, such as where they work or if they have any fun vacations coming up. I will also be open to feedback on how I can best support them and their banking needs. With my co-workers, I will be there to listen, observe, learn, and support."

Credit Unions often boast a tighter-knit customer base than traditional banks. Navy Federal Credit Union members may have high expectations from your level of service, and it all begins with your interpersonal connection. With a wide range of backgrounds and personalities, client and coworker connections can take time to form. Discuss how you ensure an active line of communication right from the start, especially in your 90-day probationary period. This is the time to build relations with your regular customers and coworkers.

"To build a trusting relationship with my co-workers, I will show up to work on time and dress appropriately. I will listen to their coaching and ask for feedback. When it comes to the members of Navy Federal Credit Union, I will add value to every interaction and get to know them on a level that is personal yet still professional."

Have you ever been terminated? If so, what were the circumstances surrounding your termination?

"Luckily, I have never experienced a termination; however, I understand that it happens to the best people at times. If I were up for termination based on job performance, I would appreciate an open and transparent conversation with my boss. This way, I would have the opportunity to adjust my approach and redeem myself."

There is a likelihood that Navy Federal Credit Union will call your references and perform background checks, including employment verification, so you should be open and truthful from the start. If you were discharged by your previous employer, depending on your circumstances, they might be sympathetic to your situation. Use your best judgment here. Being let go from your position is unfortunate; however, it happens to the best of us and often in situations beyond our control. Be brief in your explanation, sharing what you learned from that experience and how you've grown as a professional.

"I experienced a termination earlier in my career; I was not as prompt as I am today and bit off more than I could chew between being a full-time student and a part-time retail employee. After coming to work late a couple of times, my boss let me go. It was embarrassing and changed the course for me. I am much more dedicated and have not been late for work in years."

"I have never experienced termination from a job."

Do you consider yourself a logical person, able to make sound judgments under pressure?

"I use good logic every day! As a bank teller, I face numerous issues surrounding people needing access to their funds. I use logic to figure out how to arrange a customer's financial needs to meet policy while taking the path of least resistance. Recently, I had a customer with an issue due to a hold on their paycheck when their rent was due. I was able to move the funds to another bank account that did not have a hold policy. This action enabled me to release the funds and help the customer pay their rent on time."

This question is asking whether you possess emotional intelligence or if you allow your emotions to dictate your behavior and decision-making. If you have an example where you were able to keep a level head in a stressful or emotionally charged situation, share it.

"Yes, I consider myself very logical, which always helps me to make sound judgments. Just yesterday, I had a customer who was upset because our new bank teller in training was taking too long to complete her transaction. I am the assistant manager, so I stepped in to alleviate the situation. Because I showed the customer that I could expedite the process, she calmed down and was kinder to the trainee. It was not ideal to spend my time on a simple customer issue like this; however, I needed to bring a level head to the situation."

"Yes, I do consider myself very logical, which always helps me to make sound judgments. Just recently a customer showed up early to pick up their cake and it wasn't ready yet so the customer was upset. She was upset that she was going to be late for her event. I wasn't doing the orders that day. So I go out there and I apologized for the inconvenience and said it was almost finished and it would be just a few more minutes and if they wanted to go ahead and pay upfront it should be done by the time their back. Then proceeded to help my coworker finish the order while they went to go pay."

Are you okay with routine work, or do you prefer varied responsibilities?

"I enjoy working in a routine but also having a mix of responsibilities. In my current position, my schedule and goals are the same every day. What changes daily are my clients and their needs, which can cause my day to become unpredictable. I enjoy that variety because it keeps me on my toes, engaged, and excited to come to work every day."

Banking can sometimes feel routine; however, the customers you interact with will change daily. Although the work may feel monotonous, it's important to find ways to introduce variety to your day. Describe the methods you employ to avoid burning out on this aspect of the work. If you thrive on the routine and are rarely affected by mundane work, share that as well. Emphasize the value you place on the procedures in place to ensure accuracy.

"Although it may seem routine, no day is the same for me in the banking industry. Generally speaking, my job function remains the same every day, but my customers offer me variety in my day. I am pleased with the pace that this role offers."

In this role, you’ll be responsible for high-level cash handling, requiring you to be detail-oriented, accurate, and honest. Does this describe you?

"I have worked in the banking industry for twelve years without a discrepancy in my work. I believe this good work is due to my keen attention to detail and the fact that I am honest enough to own up to an error I make in the workplace. When you call my references, they will attest that I am reliable and honest."

The best way to answer this question is by sharing your methods for ensuring accuracy. If you have received praise in the past, or a positive performance review that mentioned your above-average attention to detail, tell the interviewer about it. Speak with confidence about your abilities.

"When you call my references, they will most certainly tell you that I am honest and accurate in my work. In the banking industry, I must be detail-oriented. I have not experienced an issue or discrepancy thus far, and I will continue to be careful and attentive in my work here at Navy Federal Credit Union."

What bores you, causes you stress, or makes you feel burned out with the work you do?

"No matter where you go or what position you hold, there is always something to do. Just find something to do, and stay productive. Regarding stress, everybody experiences it. But don't let the stress govern you or ruin your day. Just bear through it, and try to change your perspective or find some way to calm down. Concerning getting burned out, I have an active imagination and can always find some way out of that mindset, on the rare occasion I experience it."

Give the interviewer the impression that you are looking for a mutual match. After researching the company, the position, their mission and core values, and what you are looking for in a company position, suggest you'll thrive in an environment like theirs. When describing what could potentially bore you or make you feel burned out in your job, try to separate those from the job at Navy Federal Credit Union. Navy Federal won several acknowledgments over the last few years as one of the best companies to work for, among other noteworthy awards. Read up on their media and align your answers accordingly.They are looking for grounded, emotionally mature individuals who are patient and work well in high-pressure, stressful situations. Try to present yourself as proactive, innovative, and ready to rise to the occasion and go above and beyond while seeking extra work to stave off boredom and remain productive. Whether you create variety by increasing your performance and level of responsibility or simply varying your tasks by staying productive, share the sustainable approach you take with your work to avoid burning out.

Tell me something about yourself.

"My first exposure to the financial industry was playing monopoly as a kid. I played that game with anyone who'd play with me. After a while, no one would play with me because I always won and bought everything, including the bank. At 12 years old, I was managing my parents' finances. I love numbers and am always watching what the Fed will do next..."

This get-to-know-you question assesses your personality fit with the rest of their teams. By understanding who you are as a person, they'll hopefully be able to tell if you'll complement or clash with the personalities of their other employees. Feel free to share your interests, views, and values. Share the basics of who you are, why you are here, where you come from, and where you're going. Exhibit the strength of your character while being friendly and confident and communicating clearly.

What is your desert island movie?

"I'm the type who embraces what I'm feeling when I feel like there's no escape from it. If I have a song stuck in my head, I'll put it on the stereo and blast it while singing along. That normally gets the song out of my head. Yet, even if it doesn't, I'm having more fun with it. If I'm feeling low, I'll watch a tear-jerker and get it out of my system. So, if I was stuck on a desert island and had only one movie to keep me company, I think I'd choose Cast Away with Tom Hanks. Then I'd feel less alone watching a movie about someone in a similar situation as I'm in. Sure beats only having a volleyball to keep me company."

This fun exit interview question is an attempt to reveal more about your personality and what makes you like-minded or unique. Have fun with it while maintaining professional boundaries. Show that you are easy to get along with. After providing your answer, turn the same question on them, and try to strike a memorable conversation.

Tell me about one career achievement you have set for yourself this year.

"One achievement I would like to see this year is to make the top three for cross-selling at my current bank. My targets and goals are simple, but I like to exceed them, no matter what they are. The more successful my bank is, the better we can serve our customers."

Without clearly set goals, you may inadvertently signal that you're unmotivated and disengaged. By describing a goal, you assure your interviewer that you are interested in advancing your career and that a partnership with you will be with some duration. Navy Federal Credit Union wants assurances you have career aspirations related to the banking industry and are committed to seeing this opportunity through.

"Next month, I am graduating with my business administration degree. My goal is to land an exceptional internship, like this one at Navy Federal Credit Union and get my career started on the right foot!"

How much do you earn in your current role?

"My current annual salary is $48,000 per year. I seek a compensation plan aligned with the more significant responsibilities in this role. Could you tell me the compensation plan here at Navy Federal Credit Union?"

Navy Federal Credit Union wants to know how their salary offering will compare to your previous employer. A hiring authority will have a budgetary range at which they'll bring on a new candidate. So, how well you answer this question will indicate your professional worth and how that might fit into their budget. Often, potential employers base your offer on what you are currently earning. Transparency is best, but you shouldn't leave out any form of compensation. Before volunteering your current base earnings, start by sharing any bonuses or incentives, retirement packages, stock options, PTO, health/dental/vision, and any benefits you receive from your current employer. Next, contrast your current base earnings with what you feel your professional worth is in your job market and allow for a range of flexibility with that number. Now is fair game to find out what they offer. Once you find where they're meeting, exceeding, or wanting in this regard, you can adjust your number accordingly. Be open, realistic, and honest. Transparency is the best choice when salary based questions arise.

"I am a recent business graduate, seeking fair compensation for my recent education. Being new to my career, I am most interested in joining an organization that will help me to grow my career."

How would you handle a customer who strongly disagrees with a Navy Federal Credit Union policy?

"I have a lot of customer dispute training, which has given me some thick skin when it comes to challenging situations. I know that bank policy can seem convoluted at times, difficult to understand, or even frustrating, so I empathize with customers who are upset over policy. I take the time to review policy in easy-to-understand language. It's also important to unpack their need. Usually, I can find a solution, or at least a work-around that satisfies the customer."

Part of working in a highly customer-service-driven environment is serving members when they are unhappy. Some critical steps to handling customer disputes with care include empathy, patience, asking questions, and actively listening to their grievances. Once you've heard them, and mirrored to them what they are communicating, apologize for the situational circumstances that may have led them to their grievance. Follow this up with empathy and an assertion that you'll do everything you can to help them while maintaining your level of emotional maturity. You can explain the situation from the credit union's perspective. Tell the customer why the policy they are complaining about is in place, see what reasonable accommodations you can offer, and take every measure to respectfully handle the situation on your own before escalating to a supervisor. You want to take every action to retain member loyalty while protecting the company's assets.

"If I cannot seem to calm a customer down due to a policy, I will straight out ask them what I can do, aside from change policy, to make them happy. Often it isn't the policy itself but that the customer feels stuck in some way. When the customer knows I am willing to rectify the situation, they are more likely to level with me."

"First, always remain calm when dealing with an angry customer. Restating what they are not agreeing with so they feel heard and understand you are listening. Then I would try to explain why the policy is in place in better terms for them to understand. Also, trying to empathize with them even if I don't necessarily agree with them can help cool off a heated customer."

How will you prioritize the needs of the members of Navy Federal Credit Union?

"My professional approach is always to treat the members of Navy Federal Credit Union how I expect to be treated when I go to my bank. Sometimes, I go to my bank to make a quick deposit. Other times, I go to apply for a loan or ask for financial advice. Those visits can feel vulnerable, so it's important that a member feels welcome and comfortable no matter the nature of their visit. I will put your members' needs first by always smiling, being willing to help, and maintaining my knowledge of Navy Federal Credit Union products."

As their website states, "Helping members reach their goals with the best products and service possible is what we do." As a potential representative of Navy Federal Credit Union, your interviewer was to know how familiar you are with their customer service model and if you already embrace their approach. Discuss with the interviewer how you ensure your customers receive the best service.

"I appreciate everything that Navy Federal Credit Union does to put members first. I will put Navy Federal Credit Union members first by maintaining knowledge of your products and services. I will actively listen to each member I serve and ask them discovery questions to best uncover their needs."

"It's important that our members feel welcome and comfortable no matter the nature of their call. I will put our members first by being friendly, always willing to help, and maintaining my knowledge of Navy Federal Credit Union products."

Share an experience where you dealt with a difficult personality and explain how you managed it without involving your supervisors.

"I was helping a client navigate their application for a loan. I kept emphasizing that the information they put down needs be accurate. Yet while they were filling out the application in front of me, they kept saying they would put down exaggerated figures and let the lender figure it out. It was clear they didn't know what they were doing, and they continually challenged my help by suggesting I was wrong or didn't want them to get the loan. It was confusing. I did everything I could to help them, but in the end, they insisted on ignoring my advice, suggesting I didn't want them to get the loan."

This question serves to inform them of your definition of a difficult person. Not everyone prefers to work in a customer-centric role, and the interviewer wants to ensure you are the right person for the job. They especially want to make sure that the difficult person in this scenario wasn't you. Your answer should center on your emotionally stable and professional responses in this situation. They want to get a feeling for your communication skills and the kind of customer experience you deliver, regardless of the customer's personality. You'll want to exhibit objectivity, emotional maturity, and detail the techniques you employed to navigate this terrain that led to an outstanding customer service experience.

What is your philosophical approach to customer service?

"Everyone wants to feel heard and treated with respect and seeks validation. When communicating, I actively listen, mirror back their communication, and validate their perception and reality to the best of my ability. I'll present the situation with the external components that may have been outside their perspective. I'll share my knowledge and the avenues I can explore to help them and do my best to keep the communication as amenable and transparent as possible. Let them know you care and are exploring all options to help them before reaching an outcome."

The interviewer wants to ensure you'll treat their customers with the dignity and respect they deserve as a Navy Federal Credit Union representative. They'll ask you to share with them your approach. Your answer will also clue them into your communication skill level and how you'll approach maintaining their members' loyalty.

Walk me through your customer service training.

"I would love to know more about the customer service training you offer here at Navy Federal Credit Union. I have a great instinct when it comes to delivering the needs of my customers. Being in the banking industry for the last five years, I have absorbed many materials related to customer service. My strengths are building rapport with clients, remembering their names and interests, and making them feel welcome every time they visit."

The success of any company is in part due to how well its workforce represents its brand. As they state on their website, "Our members are the mission. As our valued member, you're at the heart of everything we do, and we strive to do what's right for you. Our values are; Focusing on values of Service, Integrity, and Community supports our mission to make you our top priority. Member-Owned, Not-for-Profit, Our Members Come First. We Serve With Compassion. We Champion Community. We adhere to a strong Code of Ethics focused on honesty and transparency in our products and service to our members." Openly share how your previous employers approach customer service. Distinguish how you feel Navy Federal stands apart.

"Being a recent graduate and new to my career, I cannot say I have received any customer service-specific training. With that said, I believe my service instinct is strong, and I know what type of service I like to receive from my bank. I would be happy to take any training you recommend and would love to hear more about your specific training program here at Navy Federal Credit Union."

"I would love to know more about the customer service training that you offer here at Navy Federal Credit Union. I have a great instinct when it comes to delivering the needs of my customers. Being in the customer service field for the last five years, I have absorbed many materials related to customer service. My strengths are in building rapport with clients, remembering their names and interests, and making them feel welcome every time they visit."

"Well with Publix one of the things we are taught is premier customer service. Our slogan is where shopping is a pleasure. We will go out of our way to make sure the customer is happy. Being in the bakery and making cakes I dealt with customers on the phone and in person taking their cake orders, remembering their names, and making them feel welcome."

Do you have any formal education that will lend to your success in this role?

"I have a Bank Teller Certificate of Completion. My coursework included general banking classes, fraud prevention training, and exercises in daily transaction balancing. This coursework is valuable and helped me to gain a great start in my banking career."

Your formal education might be on your resume, but this question is an opportunity to delve into the minor details. Walk the interviewer through which aspects of your education have proven useful and what those lessons will lend to this role with the Navy Federal Credit Union. Think about any transferable skills you gained or any related subjects where you excelled. Share any bits of wisdom that you picked up along the way.If you do not have formal educational training relevant to this position, describe something you learned - life experience or self-taught - that showcases your merits and unique offerings.

"I am a recent high-school graduate and feel that, as a top student, I bring a few valuable transferable skills. These include etiquette, good written and oral communication skills, great memorization abilities, and a keen willingness to learn. I look forward to the formal training from Navy Federal Credit Union."

Do you have plans for continued education?

"Continued education is important to remain knowledgeable and relevant in the banking industry. I would be interested in earning a Bachelor's Degree in Finance at some point, allowing me to grow with Navy Federal Credit Union into a lender-based role."

If you plan to return to school, discuss why and what you are pursuing. Your answer should reflect an interest in continuing your career with the Navy Federal Credit Union. If your scholastic pursuits are unrelated to the banking industry or have nothing to lend to your position, assure them your schedule won't interfere with your availability. However, if you plan to return to school full-time or have a class schedule that will limit your availability, ensure this won't clash with the expectations of this job posting. Regardless, transparency is the wisest and most respectful path forward with this question.

"In banking, it is important to stay on top of your industry. For that reason, I believe that related coursework is always beneficial. I have had my eye on obtaining my MBA one day. Of course, I would obtain this throughout a couple of years as I work full time. Does Navy Federal Credit Union encourage continued education or offer tuition reimbursement?"

"As of right now, I do not. I would be happy to make a career out of Navy Federal though."

How do you plan, organize, and prioritize your work?

"It depends on the situation. Examining the work at hand, I'll compile all the information I have to start. From there, I'll determine what information I'm lacking, cohesively organize that information, creating flow and transitions based on the priorities at hand. An organized bullet-pointed list, in a way, is sorted based on priority. Then, examining the time I have to manage, what makes the most sense as far as preventing rework, and what work can be built off of as a foundation for the work at hand, I'll create a strategy on how to approach the work, getting a better idea of realistic time frame."

This question evaluates your work style and ethic. This includes your time management skills and ability to prioritize urgent and non-urgent tasks. Share how your system works for you and how it helps you deliver timely and quality results. Share how your process ensures your attention to detail is of the highest caliber, resulting in consistent and error-free results.

What does time management mean to you?

"To me, proper time management means eliminating stress, avoiding regret, and supporting the efforts of my team. It means planning for my morning, getting to work early, and being able to adjust my priorities. Proper time management means success."

Share the tools and methods you employ to prepare for and stay organized on the job. Exhibit your aptitude for assessing and prioritizing your tasks and how other priorities impact the time you have. Show that you have a strong sense for accurately estimating what is possible in a given timeframe and your success rate for meeting deadlines and for being flexible depending on the team's needs.

Your background is not in banking. Tell me what skills and characteristics qualify you for this position with Navy Federal Credit Union.

"Time management, analytical thinking, and attention to detail are just some of the transferable skills I bring from the retail industry into banking. I have begun to study terminology for the banking industry and will have a firm grasp before my start date. I am fully prepared to transition into banking, an industry where I can grow and learn for many years to come."

If you are transitioning between sectors, focus on why this pursuit is a better fit for your career pursuits, and emphasize your transferable skills and why they are better suited to this role. Speak about your experience and professionalism and how this change aligns with your career goals. There are many ways that you can be a fit for a job, even though you do not come with direct industry experience. Think about the variety of skills you have and how those can benefit the Navy Federal Credit Union.

"I come from a retail sales setting; however, there are many similarities between my current role at your needs at Navy Federal Credit Union. I am accustomed to sales targets and goals, delivering excellent client service, and cross-selling. Other useful skills include analytical thinking and strong research capabilities from my university experience."

How would you approach a task you were not trained to perform?

"Going into my last customer service job, I had minimal training on service and the point of sale system. I watched online tutorials on YouTube, asked my colleagues for help, and observed others on the job. I would take the same approach if asked to complete a task I was not trained to do. I am highly capable and a good researcher, so I'm confident in my ability to learn independently."

This question aims to assess how resourceful you are, whether you are capable of outside-of-the-box thinking, and whether you respect the chain of command. Thinking on your feet is desirable, especially in an often fast-paced environment. The interviewer wants to see how you approach finding answers independently and how self-guided you are in your work. Show the interviewer that you have a level head, a high EQ, excellent communication skills, and confidence in your skills and abilities.

"When I first started university, I was asked to give a presentation in the first week of my courses. I had never crafted a real presentation before, let alone speak in public, so I was very nervous. I spent an entire afternoon watching TED Talks to get an idea of what makes a good presentation. Then, I brushed up on my PowerPoint skills and made engaging visuals. When asked to perform a task outside my comfort zone, I jump in feet first and learn, using the resources available to me."

"While working at Publix I didn't always know how to do everything on cakes. I would ask my coworkers for help on how to do things, observe them do the task, or I would watch YouTube tutorials on how to do things. I would use the same type of approach at navy federal I am highly capable of figuring things out."

Have you been trained in the proper techniques for detecting counterfeit cash and fraudulent checks?

"I have received formal training in my current role and am very confident in my ability to detect counterfeit cash and fraudulent checks. There are many steps to take with cash, including looking for raised printing, blurry borders, lack of red and blue threads, watermark authenticity, and more. Checks can be a bit trickier, so I first look for a perforated edge, the check number, and the bank's logo where the check originated. Rest assured that I am meticulous and keen on detail."

Detecting counterfeit cash or fraudulent checks is an important skill in the banking industry. Approximately $150 million worth of counterfeit money is currently circulating in the US. For this reason, banking professionals must possess the knowledge necessary to detect fake bills. It can be simple to detect counterfeit cash, especially with the technology and systems banks have; however, checks can be trickier. Talk about any training you have received. If you are self-taught or new to the industry, that's okay too! Just do your research before your interview. Assure the interviewer that you have strong attention to detail and will take every measure to protect the company's assets.

"Fraudulent checks can be a challenge to detect. One of the most important factors is the MICR line, which is at the bottom of every authentic check. When running my finger over the ink on the MICR line, it should feel smooth. On many fake checks, this line will feel bumpy and raised. When it comes to counterfeit cash, I look at the quality of the paper, how the watermark reacts to the light, and its corresponding numbers. I have strong attention to detail and will be very careful with every transaction I complete at Navy Federal Credit Union."

How do our fees at Navy Federal Credit Union stack up against traditional banks?

"Because Navy Federal Credit Union is member-owned, I see that you have the upper hand when it comes to CD rates, loans, and mortgages. Credit unions often have the upper hand with lower fees. Right now, the advantage appears to be around .05% on many Navy Federal Credit Union products."

Credit unions are non-profit, whereas banks are for-profit. For this reason, the Navy Federal Credit Union fees are far more competitive than larger for-profit banks. Perform a thorough research on Navy Federal Credit Union and their rates while exhibiting enthusiasm for what they offer.

"I understand that credit unions like Navy Federal Credit Union tend to have lower fees due to your non-profit and member-owned status. Credit unions do not have as many investors to please, which allows places like Navy Federal Credit Union to offer lower fees on mortgages and loans."

"They have lower fees due to their non-profit and member-owned status."

"Credit unions like Navy Federal Credit Union tend to have lower fees due to your non-profit and member-owned status."

Are you aware that this job has goals and targets? When have you worked in a similar environment?

"Meeting important targets and goals is a large part of my current role. If a customer is missing an important product such as checking, savings, or a credit account, I will tell them about the product and how it benefits their financial goals. I am more than comfortable performing job functions that include targets and goals."

Depending on your role with Navy Federal Credit Union, you may have business targets for opening new accounts or cross-selling a new product. Representatives of Navy Federal Credit Union should exhibit confidence in their products and services offerings and reflect enthusiasm when sharing with their members. They should also be skilled in identifying their members' individual and unique needs. Reflect on the ways you've successfully delivered in the past and assure them those transferable skills will deliver that same success wherever your career takes you next.

"I am somewhat competitive from my time in team sports, so the idea of having goals and targets to meet is very enticing to me. I know that the right banking product can make all the difference to a member, so I am happy to make recommendations based on my observations."

"Yes, I have worked in sales at MetroPCS and we would have targets for selling things. If I see a way a customer could improve their banking situation I would be happy to let them know about the promotions in their checking, savings, or credit account."

Do you have any sales experience? Would you be comfortable upselling a Navy Federal Credit Union banking product?

"Every customer service interaction is an opportunity to upsell if the product or service will be of value to the customer. When I believe in the product or service, and it will benefit the customer, I am happy to upsell. I currently do so in my job and consistently surpass the upselling and cross-selling targets given to me."

Often, cross-selling and upselling services are a huge aspect of customer service. For the Navy Federal Credit Union, this doesn't equate to pushing unnecessary products to gain a profit. Navy Federal is non-profit, and its primary concern is identifying the needs of its members and helping them with their pursuits for financial success.Show the hiring authority that you would be comfortable putting your all into identifying the needs of your members while educating them on Navy Federal products and services. If you have a specific example of a time you made this happen, share your story. You can also talk about any sales training you have received.

"I have not received formal sales training, but with a little help, I believe I would enjoy a sales component to my job. I am great at building customer relationships, and seeing a customer's need is part of delivering great service."

"I do have some sales experience I worked at ______ a few years ago and it's a cell phone company. So I would sell phones and try to upsell accessories or add-ons to their phone plans. So I would be comfortable selling Navy Federal Banking products."

How do you protect the privacy of every customer you assist?

"I protect the privacy of every customer I assist by speaking in a respectful volume, protecting passwords, and advising banking customers on how to keep their information safe. These safety efforts include banking in person, ATMs, and online banking. Education and knowledge are critical keys to protecting one's privacy."

Financial institutions employ various technological and performance monitoring systems to protect the privacy of their members. Not only does this question assess how familiar and respectful you are of such privacy policies, but they need to ensure that whoever they hire for this position has professional and respectful boundaries and approaches this with integrity. Discuss how you'll respect the steps Navy Federal Credit Union takes to protect its members.

"I will protect the privacy of every customer I assist by being aware of my surroundings, keeping a strong password and protecting it, and never sharing confidential information. I understand that I will be privy to sensitive and confidential information while working at Navy Federal Credit Union and will do everything I can to ensure a member's information is never compromised."

You will handle member transactions in this role. Talk to me about your mathematical skills.

"I did very well in any math-related courses while obtaining my business degree. My math skills are strong, and I rarely have a discrepancy in the workplace. I will meet the accuracy expectations for Navy Federal Credit Union and your members."

While assessing your qualifications for this position, they'll want insights into your attention to detail, general math skills, ability to multitask, and to what extent you conscientiously go to protect the credit union and its members. Exhibit confidence in your abilities related to cash handling, counting, and making smooth member transactions. Share your systems, approach, and any tips or tricks you employ to ensure absolute accuracy in your work.

"Math has always been a strong suit for me. I did very well in high school math and was even a tutor for struggling students. I am comfortable with the math skills required for accepting cash, giving exact cash amounts, keying in transactions, balancing cash floats, and performing other banking-related tasks."

"In my past experience with retail and customer service, I've always handled cash with care and attention. Always handing the money in the customer's hand and counting it back to make sure I have the right amount. Math has always been my favorite subject and my best skill is handling cash. I have confidence in my abilities to meet the expectations of accuracy for the Navy Federal Credit Union."

Credit Unions rank higher in customer service than traditional banks. Why do you think this is?

"Large banks are for-profit, making them more sales driven. This approach can often mean a lower focus on customer service and impersonal service. When it comes to credit unions, we often have higher community involvement, which translates to better customer service at the same time. Credit unions often have better employee training, which also can mean more personalized service for members."

This question focuses on how familiar you are with Navy Federal. Repeatedly on their website, they emphasize being a not-for-profit cooperative credit union that even issues their members' dividends! They are very member oriented and pride themselves on their integrity. As they repeatedly state, 'Our members are our mission.' Familiarize yourself with everything they stand for, and go the extra mile in your answer. Start by distinguishing the differences between a credit union and a traditional bank and explain how Navy Federal stands apart from traditional banks and traditional credit unions. You can use these points to emphasize why you want to work with them over the other jobs you're interviewing for.

"Credit unions are non-profits, and member-owned, which means they will almost always be more customer-centric. Credit unions are often involved in community groups and take more care than large banks. Also, if we consider geographical location, most credit unions are in smaller, rural communities where service and connection is everything."

Are you a Navy Federal Credit Union member?

"I have been a member at Navy Federal Credit Union since moving to this town in 2011. I have been thrilled with the personalized customer service, your competitive fees, and reasonable interest rates on unsecured loans. Last year, I received my first mortgage through Navy Federal Credit Union and was so happy with how smooth the entire process was."

The answer to this question will be straightforward; yes, or no. Depending on your status, you may not be eligible for member approval at Navy Federal Credit Union. If you are not a member or not eligible to be a member, talk about the fact that you would be a member if possible. If you are a member, be ready to talk about what you enjoy most about banking with Navy Federal Credit Union.

"At this point, I do not meet the requirements to become a Navy Federal Credit Union member. I would love to be a member one day when I am eligible. I hear many excellent factors associated with membership at your credit union. The online reviews are excellent, and I look forward to further serving your hard-working, well-deserving members."

"No, I do not meet the requirements to be a navy federal credit union member but, I do know people who are and they always have good things to say."

What is the best product or service Navy Federal Credit Union offers?

"I appreciate the terms surrounding your Traditional Individual Retirement Arrangement (IRA). When used properly, this tax-deferred retirement plan can significantly benefit your members. Could you share with me what percentage of your members take advantage of this offering?"

The interviewer wants to see that you have put time into researching and getting to know the offering at Navy Federal Credit Union. As a well-established credit union, Navy Federal Credit Union offers an excellent range of banking products for its loyal members. Check out recent write-ups, media, or advertisements on new or to-be-launched products and services. Choose a service or product you think stands out from the rest and explain why.

"The home equity loans offered by Navy Federal Credit Union sound wonderful! Your fixed-rate equity loan offers stability for the members who take advantage. This product is a great option for your members who need money for a one-time or unexpected expense. Set monthly payments mean there are no surprises for your members."

What would you do if you caught a co-worker stealing money from Navy Federal Credit Union?

"I show pride in my work and am always concerned for the good of the company. I would feel obligated to report a co-worker stealing from the company, whether it was $10 or $10,000. If I witnessed a co-worker stealing, I would report the incident immediately."

Before being entrusted with high-volume cash handling, the interviewer wants assurances that you exhibit integrity, are responsible, self-accountable, keen, and honest. This includes always prioritizing the needs and interests of the team, even if that means holding your co-workers accountable for their actions and following Navy Federal Credit Union policy. The nuance of this situational question centers on your ability to handle such situations with discretion, tact, and respect.

"Theft is never acceptable, no matter the amount. If I witnessed a co-worker stealing money from Navy Federal Credit Union, I would report the incident to my nearest supervisor. Of course, if you have a more formal process for reporting incidents of theft, I would refer to those guidelines."

"I would report it immediately."

"Whether it be $10 or $10,000, I would report it immediately. I always take concern for the good company so I would feel obligated to report a coworker's dishonesty."

"If I caught a co-worker stealing I would report it to my boss immediately. Working in a bank, it's our responsibility to be accurate and honest with clients' money. Stealing from the company is a huge violation of trust."

Navy Federal Credit Union Interview Questions

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1. If you have 25 horses and no timer, how many races would you have to run to figure out the top 5 fastest horses?
2. How was the drive in?
3. What is your availability?
4. Do you have any questions about Navy Federal Credit Union or this job?
5. Looking back to your most recent performance review, what was one area for improvement and one positive?
6. What do you enjoy about working in the banking industry?
7. One small error can throw off our entire balance. How do you react when you do something wrong at work?
8. How do you maintain your patience and emotional equilibrium, even in the most challenging situations?
9. What do you believe we can improve on at Navy Federal Credit Union?
10. If hired, how will you build trusting relationships with our clients and your co-workers?
11. Have you ever been terminated? If so, what were the circumstances surrounding your termination?
12. Do you consider yourself a logical person, able to make sound judgments under pressure?
13. Are you okay with routine work, or do you prefer varied responsibilities?
14. In this role, you’ll be responsible for high-level cash handling, requiring you to be detail-oriented, accurate, and honest. Does this describe you?
15. What bores you, causes you stress, or makes you feel burned out with the work you do?
16. Tell me something about yourself.
17. What is your desert island movie?
18. Tell me about one career achievement you have set for yourself this year.
19. How much do you earn in your current role?
20. How would you handle a customer who strongly disagrees with a Navy Federal Credit Union policy?
21. How will you prioritize the needs of the members of Navy Federal Credit Union?
22. Share an experience where you dealt with a difficult personality and explain how you managed it without involving your supervisors.
23. What is your philosophical approach to customer service?
24. Walk me through your customer service training.
25. Do you have any formal education that will lend to your success in this role?
26. Do you have plans for continued education?
27. How do you plan, organize, and prioritize your work?
28. What does time management mean to you?
29. Your background is not in banking. Tell me what skills and characteristics qualify you for this position with Navy Federal Credit Union.
30. How would you approach a task you were not trained to perform?
31. Have you been trained in the proper techniques for detecting counterfeit cash and fraudulent checks?
32. How do our fees at Navy Federal Credit Union stack up against traditional banks?
33. Are you aware that this job has goals and targets? When have you worked in a similar environment?
34. Do you have any sales experience? Would you be comfortable upselling a Navy Federal Credit Union banking product?
35. How do you protect the privacy of every customer you assist?
36. You will handle member transactions in this role. Talk to me about your mathematical skills.
37. Credit Unions rank higher in customer service than traditional banks. Why do you think this is?
38. Are you a Navy Federal Credit Union member?
39. What is the best product or service Navy Federal Credit Union offers?
40. What would you do if you caught a co-worker stealing money from Navy Federal Credit Union?

Navy Federal Credit Union Interview Questions

1. If you have 25 horses and no timer, how many races would you have to run to figure out the top 5 fastest horses?

2. How was the drive in?

3. What is your availability?

4. Do you have any questions about Navy Federal Credit Union or this job?

5. Looking back to your most recent performance review, what was one area for improvement and one positive?

6. What do you enjoy about working in the banking industry?

7. One small error can throw off our entire balance. How do you react when you do something wrong at work?

8. How do you maintain your patience and emotional equilibrium, even in the most challenging situations?

9. What do you believe we can improve on at Navy Federal Credit Union?

10. If hired, how will you build trusting relationships with our clients and your co-workers?

11. Have you ever been terminated? If so, what were the circumstances surrounding your termination?

12. Do you consider yourself a logical person, able to make sound judgments under pressure?

13. Are you okay with routine work, or do you prefer varied responsibilities?

14. In this role, you’ll be responsible for high-level cash handling, requiring you to be detail-oriented, accurate, and honest. Does this describe you?

15. What bores you, causes you stress, or makes you feel burned out with the work you do?

16. Tell me something about yourself.

17. What is your desert island movie?

18. Tell me about one career achievement you have set for yourself this year.

19. How much do you earn in your current role?

20. How would you handle a customer who strongly disagrees with a Navy Federal Credit Union policy?

21. How will you prioritize the needs of the members of Navy Federal Credit Union?

22. Share an experience where you dealt with a difficult personality and explain how you managed it without involving your supervisors.

23. What is your philosophical approach to customer service?

24. Walk me through your customer service training.

25. Do you have any formal education that will lend to your success in this role?

26. Do you have plans for continued education?

27. How do you plan, organize, and prioritize your work?

28. What does time management mean to you?

29. Your background is not in banking. Tell me what skills and characteristics qualify you for this position with Navy Federal Credit Union.

30. How would you approach a task you were not trained to perform?

31. Have you been trained in the proper techniques for detecting counterfeit cash and fraudulent checks?

32. How do our fees at Navy Federal Credit Union stack up against traditional banks?

33. Are you aware that this job has goals and targets? When have you worked in a similar environment?

34. Do you have any sales experience? Would you be comfortable upselling a Navy Federal Credit Union banking product?

35. How do you protect the privacy of every customer you assist?

36. You will handle member transactions in this role. Talk to me about your mathematical skills.

37. Credit Unions rank higher in customer service than traditional banks. Why do you think this is?

38. Are you a Navy Federal Credit Union member?

39. What is the best product or service Navy Federal Credit Union offers?

40. What would you do if you caught a co-worker stealing money from Navy Federal Credit Union?