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One Network Rural Bank Interview
Questions

27 Questions and Answers by
| Ryan has over 10 years of experience interviewing
candidates in the healthcare, public service, and private manufacturing/distribution industries.

Question 1 of 27

Due to the continued explosion of the digital world, One Network Rural Bank is becoming more virtual on a day to day basis. What job duties would you see as being fluent in this role as a Teller with us?

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One Network Rural Bank Interview Questions

  1. 1.

    Due to the continued explosion of the digital world, One Network Rural Bank is becoming more virtual on a day to day basis. What job duties would you see as being fluent in this role as a Teller with us?

      As banks have adjusted the way they do business over time to suit the needs of customers that are becoming more automated and mobile, the traditional Teller job description has certainly changed with the advancements in technology. With this question, your interview is simply looking to gauge how flexible you would be if hired for this role because One Network Rural Bank will be relying on the person hired this role to be highly adaptable in a changing work environment. As you answer, let your interviewer know that you are aware of how rapidly the banking industry is changing and give examples of a time or two you had to be flexible in your own job duties. Then, really put thought into what you feel are ways that the traditional Teller job role has changed and will continue to change over time.

      Ryan's Answer

      "As my own personal banking has certainly changed to the point where I hardly visit a bank lobby any more and take care of more things online, I would venture to guess that a Teller is face to face a lot less with customers than they used to be and handling more job duties over the phone and online with customers. I would envision that on top of traditional withdrawals and deposits, Tellers at One Network Rural Bank are also seen as advisors to customers when it comes to different products within the bank. If hired for this role, I would be excited to be flexible and learn new duties to become a more complete member of the team here at One Network Rural Bank. In my current role as a Customer Service Rep, I've had to be very fluid in my job duties."

      Ryan's Answer

      "In my current role as a Teller, I've been very adaptable over the last couple of years as my current institution moved a lot of services to a virtual format. I've received extensive training on ATM troubleshooting for customers using the ATM in our parking lot. I've also been trained on our branch kiosks and tablets that customers use for loan applications and other transactions. But because many of our elderly customers still prefer traditional in-person transactions, I've never lost my touch as a traditional Teller. If hired here at One Network Rural Bank, I'd look forward to being a flexible Teller that is willing to adapt with changes moving forward."

  2. 2.

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

      Before your interview, take some time to think through your career goals. One Network Rural Bank is looking for motivated individuals who want to grow within the company. Share your career plans. Talk about how this position will help you achieve your goals!

      Ryan's Answer

      "I am passionate about the field of finance and accounting, mixed with an unwavering passion for quality customer service. The banking industry allows me to tap into both areas and have a lot of fun making positive customer experiences along the way."

      Ryan's Answer

      "Careers in banking run in my family! My mother was a banker and my father, a financial advisor when I was growing up. It always fascinated me how smart they both were. It's in my blood!"

  3. 3.

    If you were having an interaction with a client here at One Network Rural Bank and you weren't able to answer their question or solve their problem on your own, how would you handle that situation?

      As the forward facing client services representative with One Network Rural Bank, you may be asked serious financial or market related questions that either don't know or aren't qualified to answer. In those situations, you will be expected to explain to the customer how that question will be answered and then deliver a timeline on when it can be answered. In the end, the customer wants to know the clear path to ease their mind and it will be your job to do just that.

      Ryan's Answer

      "In my current role in Customer Service with Metropolis' largest automotive dealership, I frequently get asked questions that our sales, finance and service staff have to give the final stamp of approval on in answering customers questions. In these situations, I have a great amount of knowledge where I can prepare the customer for speaking with the right person while also ensuring them that the sales, finance or service staff will provide the final answer. Then, I work quickly to get them to the right person."

      Ryan's Answer

      "In a situation where I didn't know an answer, I would ensure the client that we have the right staff in place that would be able to help them quickly and efficiently. I would communicate to the customer what the next step would be and if that would be me putting them directly in contact with someone or me taking their contact information and having someone get back to them. In the end, setting the right course and timeline would be important for every customer when I faced this situation."

  4. 4.

    Customer service is the name of our game at One Network Rural Bank. If hired for this role, how would you be able to provide the best customer service possible to our clients?

      While following all of the steps of a mortgage process and handling client inquiries along the way is the foundation to success in this position, you will be relied on to provide the best customer service possible to all clients because the mortgage section at One Network Rural Bank is just one small piece of the pie in their business. If a client feels like they weren't handled with respect and compassion, they could take all of their business elsewhere and see an impact financially because of it. To show that you can provide top-notch customer service in this role, talk about how you provide a personalized experience for the clients you work with and talk about the interpersonal skills you possess that make this possible.

      Ryan's Answer

      "With any customer that I work with, I take the time to get to know them and listen to their thoughts, concerns and questions right from the start. I like to hold what I call an intake session to listen to all of these things. After hearing each customer out, I then talk about what I can do to alleviate their concerns and answer their questions right from the start. From that point forward, my customer service skills go the extra mile by staying in constant communication with my clients through either email or phone because I feel that over communication is important right from the start. As human, we have a desire to know what is happening all of the time and I make time to do this for my clients. Last, my customer service starts and ends with a positive attitude and a smile on my face. I take pride in being a front facing representative of my company and work my tail off to ensure that customers know that my company is there for them."

      Ryan's Answer

      "In my experience, provide the best customer service comes down to doing the little things right. While often overlooked by some in our industry, a smiling face and simple conversations to get to know your customers can go a long way towards building a foundation for a great long-term relationship and I don't take these little things lightly. Even though I may be experiencing a huge workload or stress somewhere else on the job, I am focused and happy when I am face to face or on the phone with the client. At those times, they deserve 100% of my attention and focus and they get that every single time."

  5. 5.

    Have you ever had to work with a difficult colleague? How did you handle that situation?

      A potential job with One Network Rural Bank will put you in a branch office that has many different people, with many different personalities, working in one place at one time. It is simple human nature for their to be conflict within a workplace like this and your interviewer is looking to hear how you personally manage interpersonal conflicts with your coworkers by asking this question. As you answer, be sure to use a real life situation and talk open and honestly about how you handled the situation. Try to focus on the positive things you did to make things work out and make sure that the situation you describe ends with a positive results. In the end, your interviewer is looking to hear that you can be a true team player no matter who you work with.

      Ryan's Answer

      "In my current job, I am paired in a small office with a colleague that can be rather difficult at times. We handle a lot of work over the phone and he can be very loud and boisterous at times. On top of that, he can tend to get very upset following certain phone calls with clients. When first hired and paired in an office with him, I was taken aback by his behavior and remained quiet. One day, at the advice of our manager, I simply talked to my colleague and told him that I would be very thankful if he could tone his voice down in our office and to try and use more healthy ways of handling anger on the job. In the end, this was an approach I should've used right away as he thanked me for the feedback and told me that his old officemate was the same as him regarding how they handled frustration. With him knowing that I didn't care for that approach, he vowed to be better moving forward and things are great to this day."

      Ryan's Answer

      "First and foremost, I consider myself a great team player and any of my current or past coworkers would echo that same thought. While I do work great in teams, conflict among people is always inevitable and I feel that I excel in working with difficult teammates. A couple of years ago, I was on a project team with a person that tried to take over meetings with their own thoughts on processes moving forward and wouldn't budge for other people's ideas. After seeing a few of our team members become visibly frustrated during our first gather, I took it upon myself to talk with this person face to face. The person became very confrontational with me and ended up berating the overall knowledge of the members of the team. I decided that I would let that conversation sink in with the individual and see how the next meeting the following week went. When the belittling and combative behavior continued, I approached the project lead the next day to see what could be done. While the difficult decision was made to remove that person from our project team, I have no regrets in the approach I took because it was good for the overall health of the team."

  6. 6.

    Tell me about a goal you achieved. What steps did you take to get there?

      The banking industry offers a variety of opportunities to those who are motivated. One Network Rural Bank is seeking individuals who think about the future and aspire to be successful in everything they do. Think about something you accomplished through hard work and dedication.

      Ryan's Answer

      "Early in my career, I strived to get to know the banking and thrifts systems from a 360-degree view. I worked hard to partner with my peers in learning how their roles contributed to the whole organizational flow. I set a goal to become head teller within the first five years of working in this industry. I hope to continue that career path with One Network Rural Bank and am excited for the opportunity to do so."

      Ryan's Answer

      "A few years ago I set the goal to complete my Bachelor's in Finance while working full time. I achieved this in just four years, through spending a lot of time in online studies, between working as a bank teller. I am very proud of the discipline and dedication I was able to put towards this goal."

  7. 7.

    What ideas could you bring to One Network Rural Bank to help grow revenue in this branch?

      If hired as the next Branch Manager at One Network Rural Bank, one item that you will be continually tasked and evaluated on is your ability to help grow revenue at the branch through new customer acquisitions and increased sales of banking products. This question gives you the chance to cite your revenue growing skills and how you will apply them to the banking industry. Prior to your interview, be sure to do your research on growth and revenue in the banking industry and think of a creative way or two that can really sell your interviewer on your ability to help drive increased revenues at the branch you are interviewing with.

      Ryan's Answer

      "While I will always be a firm believer that traditional marketing techniques are key to creating new business and revenue, an outside the box approach can always be vital as well. Here at One Network Rural Bank, I would make it a priority for frontline staff like Tellers to be trained in advanced sales skills to help upsell customers in their regular conversations with them. Customers of One Network Rural Bank typically see the frontline workers the most and Tellers are most likely to steer your customers towards revenue generating products."

      Ryan's Answer

      "Over the past five years, I've become more entrenched in data analytics in my current role to help drive revenue and I think the banking industry can surely use data analytics to help predict customer trends. With the rapidly changing service combinations that banks put out, data analytics could be key in helping predict customer preferences and that data could be put to use to put out the most preferred packages for future customers."

  8. 8.

    Tell me about your cash handling experience.

      Share some of the details of your experience in cash handling, which are relevant to the position.

      Ryan's Answer

      "As a bank teller, I have handled cash as a part of customer transactions for the past two years. I am experienced with deposits, savings withdrawals, cashing checks and issuing traveler's checks. I am excited to learn more about One Network Rural Bank cash handling procedures."

      Ryan's Answer

      "The majority of my cash handling experience includes my time in retail. I was a cashier at Store ABC for three years. As far as the banking industry goes, I have some experience in handling cash from my three months with Bank XYZ."

  9. 9.

    Tell me about your education. How has it prepared you for this opportunity with One Network Rural Bank?

      Share some of the highlights from any of your relevant courses from high school, college, university or on the job training. Explain how your experiences will enhance your performance.

      Ryan's Answer

      "Getting a Bachelor's Degree in Business Finance was a great experience. I especially enjoyed my accounting courses because they challenged me to think more critically and furthered my analytical skills. I know these skills will help me to handle work at One Network Rural Bank and advise clients on important financial decisions."

      Ryan's Answer

      "The bulk of my education has been on-the-job training with my current company. They value continued education and have a tuition reimbursement program which I am happy to have taken advantage of. This year I have taken additional courses in calculus, negotiations, and building a sales pipeline. All of these courses will help me in this role with One Network Rural Bank because you are customer service focused while also needing employees who understand banking related concepts and calculations."

  10. 10.

    What customer service experience do you have that would greatly benefit the customers at One Network Rural Bank?

      As the face of the organization for a lot of customers that will come through the lobby and drive-through of One Network Rural Bank, your interviewer expects that you'll be able to bring your A game to the job every day when it comes to customer service. To get an idea of your customer service experience, your interviewer is asking this question. As you prepare for your interviewer, try to think of customer service experience you have that would most apply to being a successful Teller. Talk about your duties when it came to serving customers and putting a smile on their face with each interaction that you had. Don't hesitate to use a real world example of a time you went the extra mile to provide the best service possible.

      Ryan's Answer

      "Being a people person by nature, I've always thrived in roles that put me face to face with customers at any place of employment. During my high school years, I was a waitress at a local restaurant on the weekends. During these busy times, I quickly learned how the little things can go a long way with customers that I would see on a regular basis. Knowing their usual drink orders and little things about them helped spark great conversations with them and, ultimately, their overall satisfaction with their dining experience. If hired here with One Network Rural Bank, I'd look to bring that same customer service attitude to your team."

      Ryan's Answer

      "My current role in a large call center places me on the phone with consumers that are usually having either technical issues with our products or just overall unsatisfied with our products. Over the past two years in this role, I've learned how reflectively listen to customers that had a negative experience and how to quickly troubleshoot their problems with ease. As well, I've grown a very thick skin to not take things personally when consumers are downright mean about their products. I can imagine that in a bank setting, upset customers can be at their worst because finances are one of the most stressful things for people and I would be very confident in my ability to work with those customers."

  11. 11.

    What is your experience in managing an overall performance appraisal process for your staff?

      While your interviewer can see that you have employee management in your experience from your resume, this question is allowing you to really get into detail about what experiences you have in working through a performance appraisal process with your staff in the past. While being open and honest in your experiences, try to highlight your ability to use fair judgement in writing performance appraisals and highlight any technologies that you've used to help manage the performance of your team. As well, don't hesitate to discuss any of the difficult conversations you've had in the past with your staff as One Network Rural Bank will look to you to be an effective part of this process as their next Branch Manager.

      Ryan's Answer

      "In my current role, I manage a team of 13 employees and our policy is to conduct appraisals near a staff member's hire anniversary. I'm a firm believer that writing an appraisal takes preparation throughout the year by documenting performance. When it comes time to writing the appraisal, we use an online performance management system that makes organizing details within the appraisal really nice. I always block time on my calendar to take the time needed to focus on putting detail to paper and don't rush through it because feedback is so important to improving the performance of my entire team."

      Ryan's Answer

      "As you can see from my resume, I have over 10 years of management experience and within that experience, I have a lot of experience in the performance appraisal processes for my staff. I take the approach of using a fact and documented based approach with my staff rather than personal opinion. Being in a very volatile and high turnover industry right now, evaluating my staff on tangible factors is very important. Throughout my career as a manager, I've had to have many difficult conversations with staff that were put on performance improvement plans based on their annual reviews and am comfortable having these conversations in a professional, yet personal manner."

  12. 12.

    How do you stay organized?

      Staying organized is essential to make sure that you are thorough and pay attention to details, to keep customers happy. It is also necessary for accomplishing your daily tasks behind the scenes. Share a few tools that have helped you stay on-task and on-time.

      Ryan's Answer

      "I prioritize my workload against deadlines to stay organized, always putting the needs of customers first."

      Ryan's Answer

      "I work closely with my peers to share responsibilities and ensure key tasks are delegated out, should there be an important deadline to consider."

  13. 13.

    What do you want to accomplish at One Network Rural Bank?

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

      Ryan's Answer

      "First and foremost, I want to deliver top quality service to customers of One Network Rural Bank and perform my responsibilities with best in class service. I want to work at One Network Rural Bank because I want to become a financial advisor. Starting out as a professional banker will give me valuable experience resolving client account issues and providing financial assistance, from investments to savings and travel advice."

      Ryan's Answer

      "My primary goal is to achieve a leadership position within the banking industry. To do this, I will continue my related education and take any training opportunities that come my way."

  14. 14.

    Tell us how you keep your knowledge current with ongoing changes in the banking industry.

      Due to the competition within the banking industry, One Network Rural Bank strives to stay relevant by adapting their products and services to meet customer needs. Consider reading some news articles, press releases, or blogs, to learn more about the industry.

      Ryan's Answer

      "I am interested in learning about helping my customers with their investments. I like to read financial blogs to stay on the cutting edge of latest trends. I also enjoy reading the latest books with a financial scope and listening to financial advice. I also follow One Network Rural Bank on Twitter and keep abreast of relative headlines."

      Ryan's Answer

      "I am an avid reader, and my top go-to books for banking related knowledge are A, B, and C. I also listen to a few investment-related podcasts on a weekly basis. I understand the importance of staying on top of the latest trends and news in the banking industry."

  15. 15.

    What has been the most stressful situation that you faced in the workplace and what did you do to ensure that you navigated that situation successfully?

      At times, the work at One Network Rural Bank can get stressful in a customer facing role and this question is giving your interviewer insight to how you will be able to handle the stress that will potentially come in this role if you are hired. In your answer, speak openly and honestly to your interviewer by explaining the situation that you were in and why it was stressful to you. Then, talk in detail about the things that you did to work through the situation to make sure that there was a positive outcome. While answering, try to give your interviewer the sense that you are not easily stressed out on the job and are able to work through high pressure situations with ease.

      Ryan's Answer

      "Last year, my staff of nine people was brought down to five people with one termination and three other resignations in a short period of time. Given that recruiting new staff in my current field can be difficult, we worked at almost 50% staffing for two months. To avoid burnout, our manager decided the best route was to only have two of our staff on shift at a time when we would normally have three to four on at a time. This is where work became the most stressful. For me, keeping upbeat, positive and focused on all of my duties was what helped me through each work day. I really appreciated the fact that we didn't need to double our work hours during this time and my remaining team members ended up navigating this period with great success."

      Ryan's Answer

      "A couple of years ago, my current company purchased my previous employer and there were many unknowns surrounding my job and my job duties moving forward when it was announced that the company was being sold. When I saw a lot of my coworkers in distress, I took the direction of trying to lead by example with a positive attitude. From the start, I began asking a lot of questions to our managers to try and become as educated as possible on the changes that were coming. I also tried to hear the concerns of my colleagues as well and tried to a be a reassuring person for them. In the end, the transition was great for me and I have my positive and inquisitive attitude to thank for that. During the process, one close colleague did leave the company in fear of what would happen and they still regret that decision to this day."

  16. 16.

    How would you rate your ability to learn new software programs on a scale of 1 to 10?

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  17. 17.

    On the finance side of One Network Rural Bank, we expect our representatives to be ingrained in our sales focused culture. If hired for this role, how would you learn and embrace our sales process?

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  18. 18.

    The banking industry is built on trust and this is no different at One Network Rural Bank. Do other people you have worked closely with consider you to be trustworthy?

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  19. 19.

    What experience do you have in multitasking different duties in any of your prior work experiences?

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  20. 20.

    If hired for this role here at One Network Rural Bank, how would you manage your daily tasks on the job to ensure that your work is completed in a timely and efficient manner?

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  21. 21.

    What do you know about One Network Rural Bank?

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  22. 22.

    What is the highest level of mathematics that you completed during any of your schooling?

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  23. 23.

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

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  24. 24.

    The clients of a financial firm like One Network Rural Bank can display an arrange of emotions when they work with our Client Services team. How would you handle a situation where a client was very angry?

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  25. 25.

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

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  26. 26.

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

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  27. 27.

    How would you handle communication with a customer that was visibly upset?

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