Royal Bank of Canada Mock Interview
Prepare for 35 Royal Bank of Canada interview questions covering banking acumen, client scenarios, and RBC's values.
Question 4 of 35
If a client here at Royal Bank of Canada was denied the financing that they desire, how would you handle the situation?
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Ryan Brunner has over ten years of experience recruiting, interviewing, and hiring candidates in the healthcare, public service, and private manufacturing/distribution industries.
As a Loan Officer at Royal Bank of Canada, you will have to have difficult conversations with prospective clients who are being denied financing. Your interviewer will want to hear that you take a professional approach with the clients and that you have a firm understanding of the regulations surrounding loans in the industry. Talk about your ability to educate the client to encourage them to come back to Royal Bank of Canada for business in the future.
Ryan Brunner has over ten years of experience recruiting, interviewing, and hiring candidates in the healthcare, public service, and private manufacturing/distribution industries.
"This is a common occurrence in my current role in the mortgage industry. When a client is denied financing, I am upfront and honest with them in my approach. The customer wants to understand why financing is denied, and I have the experience in the finance industry to explain the importance of credit scores and debt to equity ratios. I have found that customers who are denied financing react well to my approach, and I have had many customers come back after following my advice and succeed in their application process."
Kimberly is a freelance writer and editor with a decade of experience in the education field, including her time as a pre-kindergarten teacher.
"Life as a successful Loan Officer is about being knowledgeable and professional. When I need to personally decline a potential customer, I am firm and fair with them. I don't beat around the bush in any way because this can leave a customer with a false sense of hope. Taking the time to explain the regulations for the loan in layman's terms often helps customers better understand the situation."
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