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Zions 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

Walk me through your thought process when delegating responsibilities to others that you are responsible for. What are the important factors that influence your decisions?

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Zions Bank Interview Questions

  1. 1.

    Walk me through your thought process when delegating responsibilities to others that you are responsible for. What are the important factors that influence your decisions?

      As the potential next Branch Manager at this branch of Zions Bank, your interviewer wants to hear that you have the innate ability to delegate responsibilities among the team that you'll be managing. For this question, they'll be looking to hear that you you can do this effectively by knowing the strengths and weaknesses of your team members and also that you know the responsibilities of each role that you'll be managing. As you talk about your ability to delegate, make sure to talk about the importance of delegating for both your own efficiency in your work and in the work of your team. As well, don't hesitate to talk about your ability to train others when needed to ensure that the necessary work gets completed.

      Ryan's Answer

      "As a manager, I have a really great history in delegating the right work to the right people in the right amount. Any time that I delegate work, it is important that I put the work in the hands of the right person and I do this by knowing the colleagues that I manager very well. If hired for this role, my immediate goal upon starting would be to get to know my team very well. I would have one-on-one conversations with everyone during my first week and would take the time to read prior performance evaluations. After I have a comfortable handle on my team, my next goal would be to divide up work in the best way possible that gets people working to their strengths."

      Ryan's Answer

      "My first step in a decision making process to delegate work is to evaluate the task at hand for consideration. I ask myself if it is a duty that I as a manager should be handling first. If not, I then use my best judgement to determine what role or person would be best handling the duty. I ensure that I consider factors like current workloads, KSA's of my team and impact of the task to be delegated in my thought process."

  2. 2.

    At Zions Bank, we value diversity in our customer base and on our team. How do you work effectively with people from different backgrounds ?

      In any interview that you experience, a diversity related question is likely to come your way. This is no different at Zions Bank because in the banking industry, customers will come from all walks of life and you will be required to work with them effectively. To give your interviewer the greatest sense in your answer, talk both about how you value diversity in your personal and professional life and give an example of a time you worked with a diverse team of people and thrived. In the end, your interviewer will be looking to hear that you will join the team at Zions Bank with an open mind and open heart.

      Ryan's Answer

      "I am a firm believer that a diverse team and work environment benefits the greater good of the organization by bringing many different perspectives to decision making processes. My first job out of school was with a company that lacked diversity and it really struggled because of lack of new ideas and a lack of value for others. Since that job, I have worked at companies and on teams that were very diverse and I really enjoyed being able to learn and grow from others from different backgrounds than me."

      Ryan's Answer

      "In my current position, I work with customers from all different nationalities and walks of life. As a very young adult taking this job from a small, non-diverse town, it was intimidating at first to me. But from day one on that job, I've really grown to appreciate and see that connecting with individuals that are different from me is beneficial to society as a whole. If hired in this role, I understand that I would be working with a very diverse customer base and I'd be able to do so in a very empathetic and understanding manner."

  3. 3.

    We pride ourselves on teamwork here at Zions 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 Zions 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

      "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 Zions 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

      "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 Zions 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 Zions Bank, where your offices are spread throughout the country and I can imagine that email communication is vitally important."

  4. 4.

    Tell me about a time when you showed integrity in your work.

      Integrity is best displayed through honesty and consistent moral values. The banking industry relies on employees who are trustworthy and reliable. Give an example that shows how you have demonstrated these qualities in the past.

      Ryan's Answer

      "In my last position, I was responsible for the cash deposit on a daily basis. There was never a discrepancy, in the four years that I worked there. I have proven myself reliable through my consistency, always showing up on time, meeting deadlines, and keeping my word."

      Ryan's Answer

      "I show integrity in my work in everything that I do. It's important to me that my employer and colleagues see me as trustworthy, with a strong moral compass."

  5. 5.

    What do you know about our services here at Zions Bank and why do you feel we'd be a great place to work?

      With this question, your interviewer is looking to see that you have done your prep work and research on the company for this interview while also looking to hear why you feel they are set apart from their competition in the banking industry. Most banks have very similar operating structures and company cultures, so be sure that you try to differentiate Zions Bank from their competitors in your answer. If possible, try to relate your answer to the organization's mission statement and or core values that would be found on their website.

      Ryan's Answer

      "As a well known and reputable bank, I have heard from many friends and family members that your checking, savings and loan services are top notch. As I researched a great place to begin a career as a Taller, I was really attracted to your core values of making a difference and taking ownership. As a person that has the desire to be emotionally invested into my work, these are two things that I hold near and dear to my heart as well. If given the chance to join the team here at Zions Bank, I would give it my all to e accountable to your customers in making a small difference in their day."

      Ryan's Answer

      "What I really love about Zions Bank and what draw me this role here is your commitment to community service and being an advocate for the lower income class of our society. Many people with lower income and poor credit are often not given the same financial opportunities as others and I really feel great about the things that you do to be better for them. As well, I am firmly rooted in community service and would be all in with these efforts if given the opportunity to join the team here at Zions Bank."

  6. 6.

    Tell me about your experience in the banking industry.

      Share details of your banking experience to show Zions Bank you have what it takes to be successful in the field!

      Ryan's Answer

      "When I worked as a bank teller, I learned how to deal with difficult customers and handle a variety of transactions, from ordering foreign money for travel to removing overdraft fees and educating customers on our products. I used my careful attention to detail to keep my drawer balanced and manage my daily tasks without error."

      Ryan's Answer

      "I have 12 years of experience in the banking industry, first as an administrative assistant, then a bank teller, and now; a financial advisor. I have learned a great deal along the way and look forward to putting my experience to work for Zions Bank."

  7. 7.

    How do you check your work for accuracy?

      The interviewer wants to hear that you are detail oriented when it comes to checking your work. Explain the steps you take to eliminate minor mistakes and ensure your customer transactions and paperwork are accurate.

      Ryan's Answer

      "I take pride in any work with my name attached to it and therefore, always review my work before I submit it. Whether I am typing an email or handling cash, I always check my work twice and sometimes even ask a co-worker to review it first. Being detail oriented and thorough are two of my greatest skill sets."

      Ryan's Answer

      "I proof my work before sending it out, and I double check everything. I'll use a calculator when necessary, and ask for help if I am unsure of my own accuracy."

  8. 8.

    What are your thoughts on working in a position here at Zions Bank that had a lot of routine tasks each day?

      A position as a Teller with Zions Bank will entail many job functions that can get repetitive from day to day and your interviewer is looking to hear that you are able to perform these tasks with focus and ease each day that you are required to. As you prepare for and answer this question, be sure to talk about past positions where you've thrived with routine tasks. As well, keep your answers focused on the positive by explaining why these routine tasks are important and how you always pay attention to detail no matter how mundane a task may be.

      Ryan's Answer

      "I would have to say that I handle routine work very well. In my current role, a majority of my day is handling routine labeling and shipping tasks. By staying in the moment and remaining focused in my work, I ensure that I take all necessary steps each and every time to ensure that my customer's needs are satisfied each and every time. In this role, the customers at Zions Bank rely on accuracy and timeliness and I would be able to bring that in any duty that I was tasked with."

      Ryan's Answer

      "For me, an end goal, customer focused approach is important in any work that I do and it is extremely important for very routine tasks. While my current position has a lot of routine tasks that I handle every day and week, understanding why these tasks are important helps me to stay on track and on time with them. If hired to join the team at Zions Bank, I would make sure that the focus of my orientation would be for me to understand how each job duty positively influences customers that I interact with."

  9. 9.

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

      As a Loan Officer at Zions Bank, you will have times where you will have to have the difficult conversation with prospective clients that are being denied financing. For this question, your interviewer will be looking 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. To seal the deal for this question, talk about your ability to educate the client to better the chances that they will come back to Zions Bank for business in the future.

      Ryan's Answer

      "This is a very common occurrence in my current role in the mortgage industry. When a client is denied financing, I am very up front and honest with them in my approach. The most important thing that a customer wants to understand is why financing is denied and my experience in the finance industry lends well to me explaining the importance of credit scores and debt to equity ratios. I have found that customers that are denied financing really take well to my approach and I have had many customers come back after doing the personal work needed to improve and succeed in their application process."

      Ryan's Answer

      "Life as a successful Loan Officer is about being knowledgeable and professional and I pride myself on my ability to project both of those things. In the times 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 understand things better as well."

  10. 10.

    What is one unique skill that you will bring to our loan processing team here at Zions Bank?

      Throughout your application process and candidate vetting process, you were brought into interview because your interview was confident that you had the basic skills and knowledge required to handle this job. Now, your interviewer is giving you the opportunity to set yourself apart from your competition with this question. As you prepare for this type of question, try to think of a unique skill that you have that can prove to be a big asset if Zions Bank offers you the job. In your answer, be sure to explain why this skill applies to this role.

      Ryan's Answer

      "I think the one skill that I have that sets me ahead of the rest running for this position is my experience and success in the world of sales. As you can see from my resume, my career out of college started in auto sales. In my five years of sales, I worked my up from Associate Sales to a Sales Team Lead at my dealership. Getting to know and master the sales side of the business has really helped me on the finance side with overall knowledge of the business and developing the skills needed to upsell customers on their loans."

      Ryan's Answer

      "As you can see from my experience, I have extensive leadership experience in leading teams of up to 12 employees and I also have remote working experience. Both of these duties have really given me confidence in my decision making abilities. If hired for this position, I would be able to hit the ground running on day one and be trusted with critical decisions where you might not have that ability with other candidates that don't have leadership experience."

  11. 11.

    Do you have any experience or knowledge in detecting counterfeit cash or checks?

      Over the years, the banking and retail industries have had to invest a lot into the detection of fraudulent checks and counterfeit money as fraudsters have become more and more savvy in the making their counterfeit currency look more real. If you don't have direct experience working with the different detection techniques, be sure to do as much research as possible prior to your interview to speak knowledgeably about the different ways money is being counterfeited and the steps banks are taking to counteract it. If you do have knowledge and experience, be sure to talk about they things you've used to help prevent the passing of counterfeit money up to this point in your career.

      Ryan's Answer

      "During my time working as a cashier in high school, I have used the counterfeit pen for bills that were $20, $50 and $100. As well, I have received briefing on new currency when it is released, like the new bills with the holographs in them. If hired for this role, I'd look forward to being trained and learning more about the advancements in counterfeiting and how this role would help negate that."

      Ryan's Answer

      "While I don't have hands on experience handling cash or check transactions in my prior work, I am familiar with the ways that the treasury department is marking bills now to prevent counterfeiting. I would know how to look for specific watermarks on each bill, the raised printing and the color-shifting ink on the numerals in the lower right corner. If hired on the team here at Zions Bank, I would want to learn more about fraudulent checks and what measures I would need to put in place in this role to help ensure that none passed through my hands."

  12. 12.

    Tell me about a time when you demonstrated you were trustworthy.

      To show Zions Bank that you are reliable share an example from your work experience that is relevant to the position.

      Ryan's Answer

      "In my last role, I was responsible for reconciling the banking at the end of the day. Last month, there was an overage, and I demonstrated my true character by reporting this to the management. Together, we partnered to research where this happened and collaborated to coach the team member who caused the error. We adjusted the accounts accordingly."

      Ryan's Answer

      "Every successful day in the banking industry is an opportunity to show that I am trustworthy. In my five years within banking, I have never been involved in a discrepancy."

  13. 13.

    In your own personal life, what banking products do you use and what benefits do you see in using them?

      With this question, your interviewer is seeking to first see what types of banking products you are familiar with by having you talk knowledgeably about the products that you use. Then, under the surface, your interviewer will be looking to see how you can help sell similar services to the customers at Zions Bank if you were hired for this role. As you answer the question, try to take a salesperson type of approach by highlighting the features and benefits of the services that you utilize with your current bank. Explain how they help you become more effective and efficient with your finances to really help your interviewer see that you have the sales type of approach if hired for this position.

      Ryan's Answer

      "First and foremost, I was very glad to jump onboard the online banking format from its inception. The online format allows me to transfer funds between accounts and even deposit checks remotely without having to take a trip to town to the physical bank. On top of online banking, I definitely use online loan application services as well. I have found them to be super easy and timesaving for me as I imagine they are for your customers."

      Ryan's Answer

      "I've really found it helpful to have all of my personal finance items with one institution. That includes loans, credit cards and checking accounts. And recently, I've learned to take great advantage of both MMA and CD accounts with my institution. I just really love the ease and convenience of this aspect and would be a great advocate of this for your customers here at Zions Bank if hired for this role."

  14. 14.

    What are one or two of the aspects that you think you would love about our Teller job at Zions Bank?

      While your interviewer is asking this question to verify that you understand the role and life with Zions Bank, this is your opportunity to sell your skills and abilities to your interviewer as well. As you prepare for this question, think of your best skills that you find the most enjoyable to yourself and match them with the aspect of this job. As you answer, speak with passion about the aspects you will find the most enjoyable and explain why those aspects will be vital to your success in this role.

      Ryan's Answer

      "The biggest thing that I am most excited for in this role at Zions Bank is the opportunity to now interact with customers on a face to face basis. As a people person by nature, I've felt so held back working for the last four years with customers over the phone. My positive attitude and friendly approach would be a huge asset to your customers and I would make it a priority to always be that smiling face that people encounter when they come to handle their personal business at Zions Bank."

      Ryan's Answer

      "After talking with my cousin that has been a Bank Teller for her entire career, I know that I would love the variety and problem solving aspects of this job. I would look forward to the fact that no two workdays are the same and that I'd be working with individual customers with every transaction. As a person that thrives thinking on their feet, working with unique customers would give me the opportunity to help them troubleshoot issues and find solutions for them."

  15. 15.

    At Zions 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 Zions 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

      "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 Zions 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

      "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 Zions Bank, I will work hard to be highly educated in your services and be proactive and accountable in every interaction that I have."

  16. 16.

    On the finance side of Zions 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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  17. 17.

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

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  18. 18.

    Suppose you were on the job here at Zions Bank and a customer came in to complain about a fee charged for an overdrawn account. How would you handle the situation with that customer?

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  19. 19.

    If working here at Zions Bank in this role and you found a more efficient way of handling a job duty or process, what steps would you take in order to ensure that your idea was heard?

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  20. 20.

    What interests you about this position?

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  21. 21.

    Tell me about your favorite manager. What did you enjoy most about working with them?

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  22. 22.

    How would you respond to a customer complaint?

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  23. 23.

    How do you work in environments with people who are different from you?

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  24. 24.

    In your mind, why is it important that Zions Bank focuses on customer service?

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  25. 25.

    At Zions Bank, we are always looking for bilingual skills from our staff to better suit and expand our client base. Do you speak any other languages fluently?

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  26. 26.

    What would you do if you saw a colleague breaking company policy? What if they were stealing something as little as $5?

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  27. 27.

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

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