Friday, November 30, 2012

Bank hr interview questions

Preparation

It is important to consider the following:
  1. Know the exact place and time of the interview, the names of the interview panel members, their role in the organisation and the correct pronunciation of their name.
  2. Research the company – locations, products/services, recent developments etc. The internet and your recruitment consultant can be first ports of call.
  3. Refresh your memory on the details of your employment history.
  4. You will be expected to talk confidently of your previous experience and employers.
  5. Prepare questions to ask during the interview. While the prospective employer will determine through questioning if you have the skills, qualifications and experience necessary for the role, you will be able to determine through your own questioning, whether this is the right role and organisation for you.
  6. Dress professionally. Pay attention to all facets of your grooming.

Some questions you might ask....

  • What is the reason the position is available?
  • Can you tell me about the induction programme available to new starters?
  • What support and development opportunities might be available?
  • What does success look like in this organisation?

The Interview

You are being interviewed because the interviewer wants to hire somebody - not because he/she wants to trip you up or embarrass you. Throughout the interview he/she will be probing your strengths and areas for development, evaluating your skills, competencies and experience. He/she will probably question you to also determine your attitude, aptitude and motivation for the role.

Some helpful hints...

  • DO plan to arrive on time or a few minutes early. Late arrival for a job interview is NEVER excusable.
  • DO shake hands firmly.
  • DO wait until you are offered a chair before sitting.
  • DO look alert and interested throughout. Be a good listener as well as an clear and concise speaker.
  • DO smile!
  • DO look the interviewer in the eye.
  • DO tell those things about yourself and your experience which relate to the position, elaborating rather than simply answering yes or no.
  • DO make sure that you demonstrate your suitability to the interviewer in a factual, sincere and concise manner.
  • DO answer questions truthfully.
  • DO be careful not to make derogatory remarks about your present or former employer/s.
  • DO understand the inappropriateness of inquiring about salary, bonuses and holidays early in the interview.

Be prepared to answer questions like...

  • What attracts you to this position?
  • Why does working for our organisation appeal to you?
  • What motivates you?
  • What are your aspirations for your career?
  • What style of management gets the best from you?
  • What have been some of your greatest learnings from previous roles?
  • What would you say are your key areas for development?
  • What techniques do you use for managing stress?
  • Describe how you deal with conflict.
  • Why are you the best candidate for this position?

Macquarie Interview Questions answers

Bank interview questions include 30 questions as follows:

1. What can you contribute to the company?


2. What activities have you done in the past?


3. How much salary do you want?


4. What is your goal of life?


5. Why should we hire you?


6. What exactly do you look for a job?


7. Why you would like to join this organization?


8. What is your philosophy of life?


9. How would you relate your key competencies to this position?


10. Why you have left this job?


11. What appeals to you most about banking & joining bank?


12. What are you learning that will help you in your work with us?


13. What do know about private and public sector banks


14. What question to ask an interviewer after a bank interview


15. What does the bank gain by hiring you?


16. How many divisions does Deutsche bank have?


17. What are the Types of Fact Tables?


18. How World Trade Organization control on whole world business?


19. How do you plan to achieve these goals?


20. Why did you leave your present/previous job/Company?


21. What is your career plan?


22. Why you choose the career in retail banking


23. What are your negative traits or weakness?


24. What is the theory of interest rates


25. What divisions operate in the region you are interested in?


26. Why do you want to work for Deutsche Bank?


27. What is a Conformed Dimension?


28. What you will do if i give a bank job


29. Why capital is shown on liability side in the balance sheet?


30. Why do u want to work in a bank?

Hr interview questions answers

After clearing the test there was Technical and HR interview. The questions that were asked are as follows.

1. Tell us regarding your studies and qualifications ?

2. What are the courses that you are undergoing in IIITMK for your PGDIT?

3. What is the duration of your PGDIT? What are the courses that you are having in the final sem?

4. What are the additional courses that you are studying when compared to your MCA?

5. Which version of UML you are using?

6. What are the differences between UML of the current version and the previous version?

7. What are the diagrams in UML?

8. What are public, private and protected in Java?

9. How will you represent them in UML?

10. What is the additional access specifier in Java other than public private and protected?

11. How "default is different from "private?

12. What type of diagram is the Use Case? (Is it structural or behavioural)

13. How will you obtain Class diagrams from the Use Case diagram?

14. What are entity, Control and Boundary Classes?

15. What are the models that you use in the Requirement Analysis?

16. What are the different types of testing?

17. What are Black Box and white Box testing?

Bank + hr interview questions

IDBI Bank  Sample Interview Questions, IDBI HR Interview Tips, Technical Questions based on bank, Bank Interview Pattern,  

Usually for bank interviews, there will be 2 to 3 persons in the interview panel. Before the final interview, HR will check all the necessary documents needed and he can also ask few bank specific questions like CASA, Basel norms and profit of the bank, difference between various banking products etc. We are categorizing the questions in 2 forms – HR Questions and Technical Questions -

HR questions you can expect in your interview are

Tell me about yourself
Tell me about your family
Incase, if you are the only daughter/son in your family, will your parents allow you to work anywhere across India?
What are your strengths and weaknesses?
Don’t you think you are over qualified for this position?
Why not software after engineering?
Why did you leave your previous company?
Why do you want to work here?
Have you applied for any other banks?
What do you know about your bank?
Have you applied to other areas apart from banking?
Where do you see yourself in 5 years from now?
If you are female – Being a girl, if you are posted in unsafe place like Assam, will you continue to work with us?
Did you prepare for the interview? What did you prepare? (questions will be asked from what you prepared)
Have you attended any bank interviews before?
Do you have any questions for us?

Technical Questions which can be asked in a bank interview are -

 
What do you know BASEL norms
What is CAR? (Capital Adequacy Ratio)
What is the current CRR and SLR?
What is microfinance?
Repo Rate and Reverse Repo rate?
What is SEBI?
What is inflation and deflation?
What is mutual fund?
What is IMF?
What is ULIP?
Do you have account in bank? Which bank? Why?
Differences you see in a private and public bank.
What is forex?
What is Bank rate?
Have you heard about KYC? what is KYC?


Thursday, November 29, 2012

Bank Recruiter Nancy Moulday

There are many people whose name resonates with the company they are working for and Nancy Moulday is definitely one of them.

Having been with TD Bank for 24 years this month, a quick search of her name would bring up archives of articles about her activities and work. For those students who have not met Nancy, I suggest taking the time to find out more about her as she could potentially change your life by hiring you for TD’s business banking division.


Fortunately, I got the chance to meet Nancy for Career Insider Business and learned a lot about her thoughts as a recruiter as well as an individual: her activities outside of work, her hobbies and what is keeping her at TD Bank after all these years. After the interview, I now understand why people would opt out of other jobs and work for TD Bank and gained a lot of new insights on how to stand out from other applicants.

What activities are you involved with outside of work?

I do a lot of volunteer work. I am a member of CACEE  (Canadian Association of Career Educators and Employers) where I’ve been a past director and president. We have conferences and our whole mission is to assist students in the transition from school to work.

I also do a lot of public speaking at community events. Today, I was at an aboriginal career centre meeting with job developers. Last week I spoke at Acces, which is an organization for internationally educated professionals that have financial experience outside of Canada. I did a presentation followed by a Q&A session. I talk about myself and my work at TD Bank. I am an aboriginal and a person with a disability so I talk about what it’s like to have a mental illness and how I’ve been able to cope with it.

What hobbies do you enjoy?

My hobbies are looking after my two boys. I have a four year old and a twelve year old who are actively involved in sports. I also like to read mystery and horror novels. I recently read “Darkness Greater Than Night” by Michael Connelly. It’s a police horror novel. When I was on vacation, I read the whole book in three days.

How has your education helped you get to where you are today?

I grew up in Montreal where I graduated from high school at grade 11. Then I went to John Abbott College, which in the Quebec school system is a CEGEP, similar to a junior college. I was in the commerce program because I wanted to emulate my father who was in marketing. I did the two year program and as part of my electives, I took industrial behavior organizational design, which I thought was pretty interesting. I graduated with a DEC in spring 1983 and went to Queen’s University that fall. Queen’s had a program that was a combination of commerce courses and psychology courses. It’s now known as industrial relations. That way I hoped to be more effective HR person which was what I ended up being after I joined TD Bank.

Bank Of India Clerk Interview Questions

1.Why do you want to enter banking?

* You need to talk about Banking – what the interviewer seeks for is a person who is flexible to be along with the given timings, someone who can cope up with writing bits and bobs or a person who can benefit them with more development .Your answer can have following bulleted points.
•Banking is a fast changing environment
•Retail banking is now very competitive – from telephone banking, retailers and etc Banking is thus now largely sales driven.

# You can even talk about IT getting changes and clearing banks offers a wide range of career opportunities for graduates – not just in branch banking but also in financial services, consultancy and corporate banking.

2.Have you applied to any other areas apart from banking?
Here off course your answer will hold some other finance or sales and marketing careers – insurance or accountancy, altogether these careers should have skills related to banking.

3.How do you feel about committing yourself to another three years of exams?
The professional examinations that you will almost certainly be required to take as part of your training are not always difficult in themselves, but do require determination and focus- especially as much of your study will be done in the evenings after a hard days work.
You should also be aware of the range of qualifications open to you – many of the large clearing banks offer the opportunity to gain qualifications in marketing, personnel or accountancy – not just banking.

4.Tell me about an experience in which you had to use tact?
Tact and diplomacy are important qualities in retail banking – the customer is (almost!) always right. You may have to tell an account holder diplomatically why they can’t have a loan for example, without provoking them into moving their account elsewhere.
To answer this type of question, think through everything you have done in the last five years – school, university, sports, clubs, societies, travel, vacation jobs etc. and try to think of situations where you had to demonstrate this and other qualities – do this before your interview.
If you have completed a number of employer application forms, then you should already have done this as this type of question is now common on application forms.

5.Who are our major competitors and what differences do you notice in our products?
The company will be expecting that you have done your research on the industry generally. You should be familiar with the bank’s products and services – literature on these can be picked up at any branch. Read the banks brochures and annual reports – these may be in the careers information room.

Five Interview Questions for Compliance Officers

Effective compliance teams go virtually unnoticed as they protect the life blood of investment banks, employees, investors and consumers. Their work is serious stuff requiring serious credentials, conviction and the communication skills to play both independent watchdog and corporate employee. “It is important to hire compliance officers with the right educational, professional, and interpersonal skills,” says Marc Lewis of the recruiting firm Leadership Capital Group. “They also need to interact effectively with all levels of the organization as well as externally with regulatory agencies.”
If you’re interviewing for a compliance job, here are some interview questions to expect, and some tips on how to show you’re a person who can protect a firm’s regulatory interests. 

Do you have any professional certifications? If not, what are your plans to earn them?
 
Employers want to see a Series 14, CPA, CFE, or other designations to signal you’re serious about a compliance career. “The licenses you have tell me whether I am dealing with someone who has made compliance their profession,” Lewis says. “Certainly people with legal backgrounds are capable of this work, but additional continuing education tells me you’re committed to it.” 

What is your experience working with (a) internal compliance teams, (b) the C-suite and board of directors, and (c) external regulatory agencies?

The way you answer this question tells the interviewer two things: the level of authority you were granted in your past positions, and your ability to interact and communicate with those compliance officers you both will oversee and report to. 

Have you ever been involved in an internal or external investigation? If so, what was your role, what were the steps involved in the investigation, and what was the outcome?

To put it bluntly, the best scenario is when a past employer was charged with unseemly behavior, while you came out smelling like a rose. “In most businesses, employers don’t want to be associated with someone tainted by scandal,” Lewis says. “Ironically, when we’re looking to fill a compliance officer position, it’s a badge of honor if you’ve been through an investigation and are not tarnished by it.”

What are the top weaknesses in compliance departments and how can you improve them?

Interviewers want to hear spirited conviction that compliance departments should be granted power to regulate freely. Come armed with concrete suggestions for improving what are often sticky struggles which require finesse in dealing with various personalities, as well as solid technical skills.

SBI PO Interview Questions

Banking profession enjoys much respect and prestige in the society. The only way to enter into this career is through Probationary Officers Exams conducted by individual banks. Banks select eligible graduates through this exam and train them for a probation period of two years.

State Bank of India (SBI) is one of the largest banks in India. SBI recruits a huge number of officers called Probationary Officers every year in the month of September-October. At present the initial salary of an SBI PO is approximately Rs.16, 850.

This article is intended to help a user who is preparing for SBI PO exam for the first-time.

Eligibility:

The following are the criteria to appear for the PO exam:

a)    Educational qualifications

General category candidates and others need to have a minimum of 60% marks in XII and 50% marks in Graduation or Post-graduation. SC/ST candidates need to have 55% marks in XII and 50% marks in Graduation or Post-graduation.

b)    Age limit

The age limit of the candidate must not be less than 21 years and more than 30 years.

c)     Number of attempts

A General category candidate can attempt for a maximum of three times. This restriction is not there for SC/ST/OBC candidates.

Selection Process for SBI PO Examination 

The selection is conducted in the following three phases:
  • Phase 1 - In this phase a preliminary exam is conducted for two hours on objective type questions.
  • Phase 2 - In this phase the main exam is conducted for three hours, Objective type two hours and Descriptive type one hour.
  • Phase 3 – In this phase Group Discussion and Interview are conducted.

Wednesday, November 28, 2012

Physician Job Interview Questions

What are your educational qualifications? How many years of experience do you have in healthcare fields?

Answer: In critical positions of physician jobs, it is extremely important that the person should have the relevant educational qualifications as well as the required skills and experience.  

 
• What is your healthcare specialty?

Answer: Tell about your expertise, for example – the area of medicine such as emergency or internal medicine, geriatrics, orthopedics etc.


• What are the physician assistant programs and professional courses which you have taken? What are your certifications?

Answer: Specify the programs, for example: Medicine and pharmacology, anatomy, biochemistry, microbiology, physiology, home health care, disease prevention and geriatrics. And present you relevant certificates.


• What kind of healthcare services do you provide to patients? Do you provide advice on medications for patients?

Answer: Specify the services, for example – therapeutic health care, disease prevention and diagnosis.

• Where did you give the healthcare services?


Answer: Describe the locations in which you’ve been responsible of caring patients, for example in – clinics, health care facilities, homes or in hospitals.


• Describe your typical day at work.

Answer: You can tell about a regular day and how you prioritize tasks, such as: office work, caring for patients, reading medical records, ordering medical supplies or tests and diagnosing patient’s health status.


• What level of communication have you had with healthcare personnel on a day to day basis?

Answer: Describe how well you communicated with teammates and supervisors.
To establish an effective information flow about patients.

• In what cases do you refer patients to physicians/doctors?


Answer: Describe the specific situation in which you decide to refer the patient to higher level of professional care.


• Describe an emergency situation you’ve experienced with patient.

Nursing Assistant Interview Questions

A Nursing Assistant is a person who has completed a brief health-care training program and who provides support services for RNs and LPNs.  He is also known as an orderly. He is certified by a state agency and a certified nurse aide (CNA). Under the close supervision he uses to perform a variety of non-professional tasks in providing direct bedside care to patients and does related work as required.
Here, in my article, I am going to supplements you with various questions and answers which may be asked by the interviewer regarding the Nursing Assistant while you will go to face the interview.

1. What are the characteristics of a Nursing Assistant?
 
Well sir, the Nursing Assistant is the entry level class in Nursing Services. Positions in this class assist patients with activities of daily living and assist specialized nursing personnel in providing patient care. Nursing Assistant is distinguished from Licensed Vocational Nurse in that the latter class is licensed to administer prescribed medications and treatments to patients.


2. What do you mean by Blood Tracing?
 
Sir, Blood Tracing is the process of tracing of the all capillaries, veins, arteries going from the right ventricle to the abdominal visceral organs and back up to the heart.


3. How is good communication vital for teamwork?
 
Sir, it is very essential to have a good coordination in the team. If there is a patient lying, there you need to not only be able to talk to them about what you want them to do definitely more importantly from the perspective of your patient getting better and you need to be able to accurately inform other caretakers like that of doctors other nurses etc. about the state of each and every patient.


4. Suppose, a neighbor of yours has a relative in the hospital and ask you which ward they are in, what do you say to them?
 
Don’t try to elaborate it unnecessarily like a rubber. Simply start your answer by saying that “Sir, I will try to give them all the necessary information as per my concern”.


5. What do you mean by the Certified Nursing Assistant (CNA)?
 
Sir, the Certified Nursing Assistant is an individual with having the certificate and provides the healthcare needs to the patients. He also performs the various duties of daily living and provides the bedside care to the patients under the supervision of the Registered Nurse (RN) or Licensed Practical Nurse (LPN). He is also known as Patient Care Assistant i.e. PCA, State Tested Nurse Aid i.e. STNA or Nursing Assistant-Registered i.e. NA/R.


Now, you can go to crack the interview related to a Nursing Assistant.

Bank hawaii interview questions

Blood donors who wish to sign-up for an on-campus Blood Drive appointment are asked to provide the following information to facilitate pre-processing of information by the Blood Bank of Hawaii. Email the Health Office with the following should you be interested in joining us at our next Blood Drive:
  • Full legal name
  • Date of birth
  • Gender
  • Mailing address
  • Email address
  • Daytime phone
  • Status: Faculty, Staff, Student, Alumni, Supporter
  • Requested appointment times (give 1st and 2nd choice)
  • Please note if you previously donated blood

Why donate blood?

  • Giving blood is easy and safe.
  • It's a great feeling of helping others. Blood donors unselfishly give of their time and receive no monetary compensation for doing so. This helps to keep our blood supply safe.
  • The process of giving the gift of life, a pint of blood, takes about an hour.
  • Your blood is separated by various components consisting of red blood cells, plasma, platelets to name a few, that may help several people with your one donation.
  • Your pint of blood can save up to 3 lives and improve the quality of life for newborns, cancer patients, the elderly and accident victims.

Who can donate blood?

  • Nearly all adults can give blood.
  • Be in good health.
  • Be 18 years of age.
    17 year olds - please submit a signed Parental Consent Form (2 pages)
  • Weigh at least 110 pounds.
  • Wait 8 weeks between donations.
  • Possess a valid photo identification card.
  • Check if you're eligible to donate.

Sample Informational Interview Questions

Q1.Why do you want to join Canara Bank?

Q2.What is your opinion on the unionism outlook?

Q3.Share your knowledge on the RBI.

Q4.What do you mean by core banking?

Q5. “Pleasure out of work” or “work out of pleasure” – which one is your motto?

Q6. Tell us what you know about Hitler’s life, his policies and his motto.

Q7. What do you mean by repo rate?

Q8. Who has written the book “The God of Small Things”?

Q9. How do you think you can contribute to the banking industry?

Q10. What is the headline of today’s newspaper?

Q11. Who is the president of RBI?

Q12. Describe your leadership skills.

Q13. What is inflation? Mention some important steps to curb inflation.

Q14.Would you be able to relocate if and when required?

Q15. What do you have to say about the recent Presidential elections?

Q16. In which role would you like to see yourself- a leader or manager? What kinds of people do you generally avoid working with?

Q17. Define Indian Economy.

Q18. Who is the governor of RBI?

Q19. State the types of loans a bank can give.

Q20. Where do you see yourself five years from now?

Tuesday, November 27, 2012

Business process in Human Capital Management

1.    List the various components of the enterprise structure in Systems, Applications, and Products (SAP) in  Human Capital Management (HCM).

2.    What is client in the SAP system?


3.    What is company code?



4.    What is personnel area?


5.    What are personnel subareas?


6.    What do you understand by personnel structure?


7.      What are the functions of the Personnel Administration module?


8.      What is the meaning of Global Employment in SAP HCM?


9.    What do you mean by Infotypes in SAP HCM?


10.    What are features in SAP HCM?


11.    What is IMG?


12.    What do you understand by mandatory activities?


13.    What are optional activities?


14.    What are non-required activities?


15.    What do you understand by critical activities?


16.    What are non-critical activities?


17.    What are personnel development plans?



18.    What is the use of Training and Event Management?


19.    What is SAP HCM Workflow?


20.    What is the use of Compensation Management?

Answering Human Resource Job Interview Questions

Searching for a job can be a full time job in itself. Networking, scouring the help wanted ads, and filling out applications can sometimes seem like more effort than it's worth, especially when contemplating how to answer interview questions. But don't give up -- you never know when you'll get a call from the human resources department of a wonderful company asking to schedule a face-to-face interview. 
 
When that call does come, you can delight in the idea that you are only one step away from your dream job. So shine your shoes and start giving some thought to the best way to answer the interviewer's questions! 

Here are a few job interview tips to learn how to answer human resource job interview questions:
  • Be honest. You are giving the interviewer their very first impression of you. Be sure that you present yourself as honest, trustworthy, and forthcoming when answering questions.
  • Display a positive attitude. Everyone prefers to work with upbeat people; no matter what the questions are, try to answer them in an optimistic, upbeat and enthusiastic way.
  • Highlight your skills and abilities at every opportunity. If you have previously worked in the same job field, emphasize your advancements and achievements. If you haven’t, be sure to relate the skills you do have to the job for which you are applying. Give examples of any successes you may have had at other jobs that might be similar.
  • Point out your education and training if it is applicable. If you have attended conferences, seminars or other job-related professional development or training sessions, be sure to mention what you have gained from those experiences.
  • Give credit to others when appropriate. If your last employer or manager was a great motivator or made the work environment comfortable and productive, mention it. Speaking well of others can reflect well on you during an process.
  • Job interview with HR repNever point out the shortcomings of others. Avoid talking about any personal issues you may have had with past employment situations, managers, bosses, or coworkers when being asked interview questions, because the interviewer will assume that you may have these same issues with coworkers or managers at a new company over time.
  • Highlight particular life events that have given you skills that might apply to this position. For example, volunteering in the past may have increased your ability to communicate well with a variety of people and/or developed your time management skills. This can apply likewise even to those who have extensive job experience.
  • Be open and friendly, but not too chatty! Directly answer the questions, but do so in a calm, friendly and complete manner.

Canara Bank Latest HR

Total 25 people on a day were divided into morning and afternoon sessions. Time taken for each candidate was 20- 25 minutes and there were 4 HR panel members .

Q. What do you think about unionism attitude?
Q. Tell the names of all subjects studied in Mca.
Q. 3 favorite subjects; then Qs on each


Topics DBMS, AI, Networks (Think Carefully about these before appearing for the Canara Bank or other Bank Interviews)

Name types of dbms -- Difference between hierarchial and relational structure in dbms? 


    Q - what else have you learnt in dbms?
    Q - what is data integrity?
    Q - what have you learnt in AI?
    Q - define artifitial intelligence and neural networks?
    Q - say someting about n/ws?
    Q - how many layers r there in osi model?
    Q - name them?
    Q - which is your favourite layers?


    Ans- Transport layer.

    Q - say something about trans layer?
    Q - what projects have you done?
    Q - write first 10 lines of code of your project & explain them ?
    Q - can you be a team leader inspite of being a fresher?
    Q - can you be a team member?
    Q - what do you want to become - a manager or a leader?
    Q - will you do a job that you dont find interesting but your team leader is excited about? what if its data entry?
    Q - what is your principle "work out of pleasure or pleasure out of work"Why Canara bank?"


Ans -- you are forerunner in IT services. you have implemented Red Hat Linux open office. They are surprised . This is official and internal matter how did u know.


Ans -- On an internet Site.

What do you think is better windows or Linux. Give 3 pts.

Why Should you Prefer Linux OS - Operating System / Software solutions / products over Windows based software or operating system / server systems?
Some Important Points: Linux is open source while windows is not.
Linux is cheaper to deploy and fits with lesser IT Budgets for companies as compared to Windows.
Linux can be better customized due to open source nature.

Q- define:
    1) firewall
    2) ethical hacking?

Q- what is gdpans Gross domestic Product?
Q -define it .

They pay a great deal of attention to accent & body language. 


    Q - Have u been to coaching classes? For What?
    Q-- what do u know about Banking?
    Q-- what was Hilters policy?
    Q-- what was his slogan/motto?
    Q-- what is core banking?

HR Interview Questions & Answers For Freshers

1. Tell me about yourself?
 
I am down-to-earth, sweet, smart, creative, industrious, and thorough.



2. How has your experience prepared you for your career?

Coursework:
 
Aside from the discipline and engineering foundation learning that I have gained from my courses, I think the design projects, reports, and presentations have prepared me most for my career.


Work Experience:
 
Through internships, I have gained self-esteem, confidence, and problem-solving skills. I also refined my technical writing and learned to prepare professional documents for clients.


Student Organizations:
 
By working on multiple projects for different student organizations while keeping up my grades, I’ve built time management and efficiency skills. Additionally, I’ve developed leadership, communication, and teamwork abilities.


Life Experience:
 
In general, life has taught me determination and the importance of maintaining my ethical standards.


3. Describe the ideal job.
 
Ideally, I would like to work in a fun, warm environment with individuals working independently towards team goals or individual goals.I am not concerned about minor elements, such as dress codes, cubicles, and the level of formality. Most important to me is an atmosphere that fosters attention to quality, honesty, and integrity.


4. What type of supervisor have you found to be the best?
 
I have been fortunate enough to work under wonderful supervisors who have provided limited supervision, while answering thoughtful questions and guiding learning. In my experience, the best supervisors give positive feedback and tactful criticism.


5. What do you plan to be doing in five years’ time?
 
Taking the PE exam and serving in supervisory/leadership roles both at work and in professional/community organization(s).


6. What contributions could you make in this organization that would help you to stand out from other applicants?
 
In previous internships, my industriousness and ability to teach myself have been valuable assets to the company. My self-teaching abilities will minimize overhead costs, and my industriousness at targeting needs without prompting will set me apart from others. Additionally, one thing that has always set me apart from my scientific/engineering peers are my broad interests and strong writing abilities. I am not your typical “left-brained” engineer, and with my broad talents, I am likely to provide diverse viewpoints.

Monday, November 26, 2012

The Role of a Bank Teller

PROCESS

Step One: Have your students read the following basic information about bank tellers.
banker
In banking, a bank teller's function is key. Whenever a deposit is made at a bank, a teller has to determine if the item being deposited is cash (paper currency or coins) or non-cash (checks or money orders). Then the teller has to judge which cash and non-cash demands are legitimate, and when to pay out to the customer. If a bank teller makes the wrong decision, it could result in losses for the bank and maybe even for the teller! Click on the following link to learn more about the nature of a teller's work .


Step Two: Ask questions
  • Have your students record questions that they might have about the role of a bank teller.
  • Have your students share and compare their questions with a classmate.
Step Three: Handout Activity One. In this activity, the students will read several scenarios involving a bank teller, and then they will answer questions about the scenarios. Click on the following link for the Activity One Answers.
  • Have the students read through the handout on their own.
  • The teacher then should go over the answers with the students.
Step Four: Follow-up question.
  • In light of the examples given in Activity One, explain why the bank teller's job is very important in banking.
Step Five: Handout Activity Two. This activity lists factors that a teller considers when deciding whether or not to accept a check. The students will read the list; they they will write down what kind of knowledge tellers need to do their job. Click on the following link for Activity Two Answers.
  • Have the students work on their own or with a partner.
  • The teacher then should go over the answers with the students.
Step Six: Follow-up questions.
  • How do banks decide whether or not to cash your check?
  • What kinds of knowledge do you think a bank teller needs?
  • In the past, the checks that were drawn at local banks could be delayed from crediting an account. Why do you think this happened?
  • Do you think a bank would delay crediting your account today? Why or why not?
Step Seven: Handout Activity Three. In this activity, the students will read the brief selection about banking laws; then they will answer the included questions. Click on the following link for Activity Three Answers.
  • Have the students read through and complete Activity Three.
Step Eight: Follow-up questions
  • How has government law affected bank tellers?
  • Do you know of any specific laws that have affected bank tellers?
  • Do you think these laws are fair or unfair? Why?
Step Nine: The article "Amid Fraud, Role of Bank Teller Changing" deals with the growing responsibilities of bank tellers. Have the students read the article and then answer the following questions.

Best 10 Banks for rates

Best for Savings, Cds, and MMAs. Listed in a chart just for you!

Customer Service

A bank teller must be able to provide outstanding customer service to all patrons, even those who are not as pleasant as others. Emphasize aspects of your personality that demonstrate your ability to provide good customer service, such as being patient, friendly and outgoing. Discuss any previous jobs you're held in customer service to demonstrate that you are experienced working with the general public.

Honesty

A bank teller spends her day working with money, so the interviewer wants to know you can be trusted. He does not want to hire someone he suspects will steal money from the bank and become a liability to the institution. Prove to him that you are an honest person who can be trusted by emphasizing your good personal history with past employers. Offer to provide references that will support your claims.

Good Judgment

You want to provide excellent customer service to patrons, but you don't want them to take advantage of the financial institution, so you need to have good judgment to know when someone gives you a counterfeit bill or a forged check or is attempting to do something else illegal. Let the interviewer know that you're perceptive by telling the him about a time you took the initiative to make a good judgment call on the job that was beneficial to the company.

Multitasking

Customers want to be able to come into their local financial institution and get their banking done quickly. At peak times, banks often get very busy, so a teller needs to be quick and efficient so customers do not have to wait in line very long. Discuss your ability to multitask in the interview, to show the hiring manager that you are an efficient worker who can work quickly to please the customer.

Reliability

A financial institution depends on its bank tellers to be at work on time, during their scheduled hours, to provide customer service. If a bank teller comes to work late or makes a habit of not showing up for work at all, the customers suffer. Discuss the fact that you're a very reliable employee. If you're a very punctual person who is always on time for work and rarely takes sick days, share this with him. It will help to demonstrate that if hired, you would be a very reliable employee.

Deutsche Bank Interview Questions

Personal Questions

You can reasonably expect to be asked the following personal questions at interview:
  • Why do you want to work for Deutsche Bank?
  • Why have you chosen the role you are applying for?
  • What activities have you done in the past?
  • Where have you worked?
  • What kind of person are you?
  • What are your strengths and weaknesses?
  • What do you love and hate?
  • Make sure you know your CV/application form.
  • What was the biggest decision you have made in your life?

Competency Questions

You may be asked some of these common competency questions:
  • You disagree with a superior about something, what do you do?
  • You disagree with a team mate about something, what do you do?
  • Tell me about a time when you have failed (Last 12 Months)
  • Tell me about a time when you used your own creativity to solve a problem
  • Tell me about a time when you've had to do something that you hated.
  • Tell me about a time when you've worked under pressure.
  • How many cars are produced in Germany per year?
  • How many cinemas are there in the UK?
It is worth noting that some of these problems are not actually solvable; they are interested in your approach to tackling them.
Take an interview practice course to improve your interview answers - click here

About Deutsche Bank

You will need to make sure you show a clear understanding of Deustche Bank and the services it provides. Questions that you might be asked at interview include:
  • What countries do we operate in?
  • How many divisions do we have?
  • What divisions operate in the region you are interested in?
  • What is our organizational structure?
  • How does our business differ in Germany?
  • Who are our senior managers?
  • What are some of the more important/news worthy deals we just closed?
  • Have you talked to any company representatives/current employees?
  • What do recent Deutsche Bank Interns at your school have to say about us?

Banking on Global Markets

Banking on Global Markets uses the story of the U.S. business and political dealings of Germany’s largest bank to illuminate important developments in the ongoing globalization of major financial institutions. Throughout its nearly 140-year-long history, Deutsche Bank served as one of Germany’s principal vehicles for forging economic and other links with the rest of the world. Despite some early successes in the face of severe obstacles for Deutsche Bank, the U.S. market probably remained its highest foreign priority and its most frustrating challenge. As with many foreign investors, Deutsche Bank found its hopes of harnessing America’s enticing opportunities often dashed by many regulatory and political barriers. Relying on primary-source material, Banking on Global Markets traces Deutsche Bank involvement with the United States in the context of a changing national and international regulatory and economic environment that set the stage for its strategies and activities in the United States, and, at times, even in its home country. It is the story of how international cooperation furthered and conflict hindered those endeavors, and how international banking evolved from a very personalized business between nations to one dominated by enormous transnational markets. It is a work designed for anyone interested in how cross-border flows of information and capital have affected history and how our modern form of globalization distinguishes itself from that of earlier periods. A professor of finance and writer of history, Christopher Kobrak weaves together how these financial, political, and institutional developments have helped shape the emerging new international order.

Christopher Kobrak holds a BA degree in philosophy from Rutgers University and MA, MBA, and PhD degrees from Columbia University in history, finance/ accounting, and business history. He is a CPA and has spent ten years working in numerous business positions for Sterling Drug, Inc. He teaches corporate finance and business history at ESCP-EAP, European School of Management, concentrating on international finance, history of capital markets, and financial theory. His publications include: National Cultures and International Competition: The Experience of Schering AG, 1851–1950 (Cambridge University Press, 2002), European Business, Dictatorship and Political Risk, 1920–1945, edited with Per Hansen (New York: Berghahn Books, 2004), and articles and reviews in many business history journals. He has taught at Columbia University, Warsaw University, and Toulouse University, from which he received his Habilitation in Management. He is currently working on the economic contribution of family businesses, corporate governance, and foreign direct investment in the service sector.

Sunday, November 25, 2012

Investment Banking & Consulting Career Guide

SEPTEMBER FULL-TIME RECRUITING
 
Investment banks and consulting firms generally recruit only once a year in September for full-time employment. If you are graduating in the next academic year and are interested in one of these industries - be ready to apply in the first week of September of your last year!

Have your resume updated, reviewed and prepared to apply by September 1st. Be sure to research the companies and industries and schedule a mock interview to prep for the interview rounds in late September and early October. Successful applicants may receive employment offers by the start of the spring semester, in advance of graduation! 


Application Deadlines:

Tudor, Pickering, Holt & Co. - Analyst - 8/29 (Job ID 5377)
Goldman Sachs Specialty Lending Group, L.P. - Analyst - 8/30 (Job ID 5351)
Wells Fargo - Securities Analyst Program - 9/4 (Job ID 5358)
Bain & Company - Associate Consultant - 9/6 (Job ID 5218)
McKinsey & Company - Business Technology Analyst - 9/6 (Job ID 5334)
McKinsey & Company - Corporate Finance Business Analyst - 9/6 (Job ID 5335)
McKinsey & Company - General Business Analyst - 9/6 (Job ID 5336)
The Boston Consulting Group - Associate - 9/8 (Job ID 5308)
Deloitte Consulting LLP - Business Analyst - 9/8 (Job ID 5352)
Cornerstone Research - Analyst - 9/13 (Schedule ID 356)
Deloitte Consulting LLP - Human Capital Analyst - 9/23 (Job ID 5375)
Deloitte Consulting LLP - Human Capital Analyst Summer Scholar - 9/23 (Job ID 5374)
Deutsche Bank - Global Markets Analyst - 9/23 (Job ID 5376)
Accenture - Systems Integration Consulting Analyst - 9/25 (Job ID 5290)
Analysis Group, Inc. - Analyst - 9/25 (Job ID 5357)
Citi - Sales, Trading and Quantitative Analyst - 10/2 (Job ID 5433)
Bain & Company - Associate Consultant Intern - 10/23 (Job ID 5504)
McKinsey & Company - Summer Business Analyst - 10/25 (Job ID 5573)
NERA Economic Consulting - Research Associate - 10/28 (Job ID 5574)
Deloitte Consulting LLP - Business Analyst Summer Scholar - 11/6 (Job ID 5427)

Bank global markets interview questions

The Fed’s approach to fixing tri-party repo is to work with Wall Street firms toward a solution.  In September 2009, the New York Fed formed a task force of JP Morgan, Bank of New York, and giant repo borrowers and lenders to study ways to reduce the potential for systemic risk in tri-party repo. (See below for a list of the task force members.).

This meant reform efforts would be developed in private by the same people who created the crisis in the first place. Tri-party did not become part of congressional deliberations or the July 21, 2010, Dodd-Frank Act, which essentially ignored tri-party reform except to put the Fed in charge.

After many meetings, the Fed’s task force released its final report February 15, saying it has made important progress but reforms will take longer than it expected, some will not be completed until perhaps 2016, and even then they won’t fix all of the Fed’s concerns.

The New York Fed said in a statement the same day that it will oversee the implementation of the reforms going forward and the Federal Reserve will work with Wall Street firms to try to find other ways to fix the still-unresolved dangers.  Developments will be noted at the task force web site.

In other words, reform of tri-party repo will come years from now, if at all.

For anyone who reads the task force’s reports, this is a sobering conclusion.
That’s because the reports lay out in the starkest terms a fly-by-the-seat-of-your-pants system where the parties to a transaction – the repo borrower, the repo lender, and the clearing bank – might not know what the others were doing.

Deals were sealed in an almost by-guess-and-by-golly way, leaving both the repo borrower and the repo lender at the mercy of their clearing bank, which might have to make decisions without having key information.

Through the work of the task force, the two clearing banks have made real improvements. But huge gaps remain.

Fargo bank group interview questions

When you interview, we’re trying to determine whether or not you can do the job, and how well you’d fit at Wells Fargo. Our questions generally take a behavioral approach, which examines how you’ve acted in past situations to understand how you would likely act in the future. We also want to find out if Wells Fargo’s values resonate with your personal values.

The interview process may consist of multiple rounds conducted in person or over the phone. Each interview typically lasts 30 minutes and will usually include a mixture of behavioral questions and technical questions related to the job.

The tips below will help you make the most of your opportunity to interview with Wells Fargo.

Before the Interview

  • Meet our team. Visit our recruiting booth at one of the diversity conferences we attend each year or attend a Wells Fargo recruiting event on your campus. Check with your campus career center to find out if we are holding any on-campus events at your school.
  • Research Wells Fargo. Explore our website to get a feel for our products, lines of business, financial track record, and company values. Read articles about our company and the financial services industry in general.
  • Talk to people. Friends, alumni, and friends of friends who work at Wells Fargo can all provide insight into the organization.
  • Think about what you want from your career. Sharing this information at your interview will help us understand where you might fit into our organization, and how Wells Fargo can help you achieve your career goals.
  • Hone your interviewing skills. Practice with friends, in front of a mirror, or by participating in mock interviews and other workshops through your school’s career center.
  • Know your resume inside and out. Be able to tell us how your past experiences have prepared your for the job.
  • Review and understand the job description. Prepare questions about the position or the company that you may want to ask your interviewer.

During the Interview

  • Keep your answers brief and focused.
  • Demonstrate interest, enthusiasm and confidence. Articulate why you want the job and why you want to work at Wells Fargo in particular.
  • Ask us some questions. Interviewers typically allow time for questions at the end of the interview, which gives you the opportunity to gather important information and reiterate your genuine interest in the position.

After the Interview

  • Thank your interviewer and inquire about next steps.
  • Ask for your interviewer’s business card and follow up with a timely thank you note or email.

Bank group interview questions

When you interview with us, we’re trying to determine whether or not you’ll thrive in our organizational culture. Will the professional development program you’re applying for help you reach your career goals? Do Wells Fargo’s values resonate with your values? Will you be engaged and challenged in your role?

Your interview is an opportunity for us to get to know you, and you to get to know us. Generally, we ask behavioral questions during our interviews — we’re trying to understand how you will act in specific circumstances. Below, you’ll find some of the top tips from hiring managers from different professional development programs for before and during your interview. In addition, Wells Fargo offers informational sessions at many schools designed to prepare you for your interview, which we strongly encourage you to attend — visit your school’s career center for a schedule.

Before the interview

  • Attend an information session or open house at your school. If we’re not hosting one at your school, check about attending one at a neighboring school.
  • Research Wells Fargo. Explore our website to get a feel for our products, lines of business, financial track record, and company values. Read articles about our company and the financial services industry in general.
  • Talk to people. Friends, alumni, and friends of friends who work at Wells Fargo are all good sources of information, and can help you understand whether the company is a good fit for you.
  • Think about what you want from your career. Sharing this information at your interview will help us understand where you might fit into our organization, and how Wells Fargo can help you achieve your career goals.
  • Practice answering basic interview questions. When is a time you demonstrated leadership? When is a time you took initiative to get something accomplished? When is a time you took a stand based on your ethics, and what was the result? Many books and websites offer additional interview questions, and you can practice alone or with friends.
  • Prepare questions to help you get information during your interview for making an informed decision about whether Wells Fargo is a good place for you to start your career.

During the interview

  • Show your enthusiasm. You’ll be speaking directly to a hiring manager, so you should try to make a positive impression.
  • Answer the question you’re asked. Answer it thoroughly, but keep your answer succinct. It’s okay if you need a few seconds to reflect after being asked a question.
  • Stay focused.
  • Let us know why you want to work at Wells Fargo — and why you think you’d be a good fit.

After the interview

  • We’ll be in touch with you within two weeks to let you know whether or not we plan to make an offer.

Saturday, November 24, 2012

Bank graduate interview questions

Notes on the job interview
The interview is a fairly standard telephone interview that lasts about half an hour. It follows the standard human resource type interview questions that you get in the first round of most major corporate companies.
Job interview questions asked
In the telephone interview they will asked:
Tell me a little about yourself? What are you currently doing? What does that involve? Do you have any hobbies or interests outside of your education / employment? These interview questions can be quite chatty and will help them to get an understanding of what type of person you are and whether you will fit into the HSBC team.

Why you want to work for HSBC and why do you want to work in this position?

Where you see yourself in five to ten years? How will working for HSBC help you to achieve your long term goals?

Where you have worked previously? What did you learn whilst working at this position? Tell me about a time when you had to overcome a problem during your time in this job?

Tell me about the skills you have acquired through your eduction, employment and other activities that you believe will help you in this job at HSBC?

There also tend to be a range of the standard graduate first round interview questions.
  • Junior audit officer interview questions - Avira International Business
  • Auditor interview questions - Wolverhampton city council
  • Trainee econometrician interview questions - Mediacom
  • Financial consultant interview questions - Perfect days
  • KPMG graduate trainee interview questions - KPMG
  • Knowledge executive interview questions - PriceWaterhouseCooper
  • HSBC graduate trainee interview questions - HSBC
  • HSBC graduate retail banking interview questions - HSBC
  • PWC graduate interview questions - PriceWaterhouseCoopers
  • Deloitte audit graduate - Deloitte

Top 10 Investment Banking Interview Questions

Beyond the standard â€Å“tell me about yourself” questions, here are some of the most common questions you may encounter in an investment banking interview with recommended answers from My CV and Me.






Why do you want to become an Investment Banker?
 
Don’t just say ‘because the money’s good’. Explain how you’re looking forward to the challenge presented by the role, the great training and growth opportunities and working with some of the world’s smartest people. Talk about the opportunities presented by recent mergers and acquisitions and the challenges due to the recession.


Why do you want to work at our Bank?
 
Spend time reflecting on what makes this bank different. Talk about the latest industry trends and the bank’s position in the industry. You will need to make sure you show a clear understanding of the bank and the services it provides. Explore the corporate website and read all the latest press releases and aim to drop in a few facts in your interview. Know what’s going on in the market – read the paper regularly!


Talk me through the high points and low points in your resume. What were your greatest accomplishments and challenges?
 
Pick an accomplishment that helps to differentiate you from the competition – an extra-curricular activity works well here. Discuss your failures, how you handled the situations and what you took away from them.


Tell me about a time when you had to work as part of a team
 
Interviewers need to know whether you are a good team player or a good team leader. There̢۪s no right or wrong answer to this question and the biggest mistake people make is thinking they have to prove they are a leader. Good team players who can also take responsibility are just as important. A good answer will show you̢۪ve thought about the part you played and what you learnt from the experience.


Describe some risks you̢۪ve taken. How did you make the decisions?
 
An investment banker̢۪s job often involves tough decisions and the ability to take risks is important. You need to demonstrate analytical skills and highlight logical assumptions and calculated guesses made by you while undertaking a risky project or decision.


Tell me about a time when you have successfully built and maintained customer relationships?
 
For most roles within banking you will need to show that you are can successfully build and maintain client relationships, go that extra mile to ensure high quality of service, identify and respond to client priorities and requirements and offer relevant solutions to satisfy client needs. Think of relevant and recent examples of when you’ve done this.


If unemployment figures are down, why might the stock market react negatively?
 
Low unemployment means an increase in aggregate demand. The economy becomes too buoyant which will result in increased interest rates to dampen the economy and prevent inflation from getting out of control. An increase in interest rates will have a negative impact on businesses, as the cost of borrowing will rise.


What is an IPO? Why would a company want to go public?
 
IPO stands for Initial Public Offering, the first public equity issue to be traded on the StockExchange. Going public raises considerable money for a company and increes liquidity and eases the rate that the company can borrow at in the future and also increases the possibility of the company engaging in M&A.

 
Why should we hire you?
 
Your answer should reflect the key skills and attributes from the job description. For banking they are usually problem solving, communication and the drive to succeed. Don̢۪t forget to also reflect your genuine interest in the financial markets.


Have you been applying for other positions?
 
Banks will expect you to have applied to other banks. Mention banks that are similar in size and stature. If you have second interviews tell them but make it clear that they are your top choice.

Bank graduate interview questions

Getting invited to an interview means that your application has sparked an employer’s interest, and this is your opportunity to add to the favourable impression you have already made. Most interviews for investment banking and investment management graduate jobs involve answering competence-based questions, designed to see whether you have the skills the recruiter needs.

Before your graduate job interview

Once you’ve been invited to interview by an investment employer, reply by phone or e-mail within a couple of days. If you have decided not to pursue a particular opportunity, cancel the interview so as not to waste the interviewers’ time. It’s fine to pull out if you have secured an offer elsewhere – but don’t wait until the night before to leave a voicemail, or worse still, just not turn up on the day!
If you’re unsure about what to expect, you can call the recruitment team to ask a few questions. But make sure you have gone through their website and recruitment information thoroughly before you call.

Preparing for interview

Nearly all first interviews are structured around selection criteria, to make them as objective as possible. All candidates are asked more or less the same questions – the organisation thinks up the selection criteria and at interview examines whether you meet these. The questions are likely to follow three core themes:
  • Why should we employ you?
  • What interests you about the job?
  • Why have you chosen to apply to us?
Work out the criteria and think about those obvious but tricky questions that are bound to come up but avoid sounding as if you have rehearsed your answers.

On the day

Be smart, business-like and try to ‘look the part’. Check the address and your itinerary beforehand and aim to arrive at least 15 minutes before your interview begins. Never be rude to receptionists – recruiters will be told and courteous behaviour is expected from staff (and hence future employees or interns) at all times.

Recruiters expect candidates to have done their homework on the firm they are interviewing with and to know why they are applying and what is going on in the wider world that may be relevant to the position they are applying for. Banking and investment employers want to see that you can hold informed conversations about topical subjects – essentially that you are aware of what’s going on in the real world.

Interviews are a two-way process. As well as being a chance for the interviewer to decide whether you would be the best person for the job, remember that interviews are also your opportunity to decide whether it’s the right employer for you.

INVESTMENT BANKING PRACTICE INTERVIEW

Try a practice interview for investment banking, answering typical questions and also getting tips on how you should answer. There are also other questions students have been asked at banking interviews. It differs from retail banking is also know as high street banking which is largely about managing customers accounts, selling loans and mortgages etc.: see our separate interview on this

Investment Banking
INVESTMENT BANKERS need to be NUMERATE and good at ANALYSING INFORMATION in order to research the market and carry out financial modeling. This information is then used in  MAKING DECISIONS and presenting information to clients, which requires SELF-CONFIDENCE and good COMMUNICATION skills.   Good TIME MANAGEMENT, in particular WORKING UNDER PRESSURE and MEETING DEADLINES is essential in this high-pressure working environment. Employers will expect you to be able to talk about and demonstrate these skills at a high level throughout the recruitment process. The sort of evidence you could offer includes:
  • LEADERSHIP: chairperson of a student society;
  • SPOKEN COMMUNICATION: debating society;
  • NUMERACY: work experience in a financial environment;
  • MAKING DECISIONS: planning a gap year and adapting your plans in changing circumstances;
  • TIME MANAGEMENT: achieving strong academic results while being involved in other University activities at a high level.

Before you arrive ...

Before your interview make sure that you are well-informed about the company, the banking industry, the financial markets and the business world generally. You will be expected to know where the FTSE and Dow Jones indexes are and have been, where LIBOR and Fed rates are and to be up to speed on current financial and business issues. Read the Financial Times daily and register (for free) at www.ft.com  to get email updates.  See also the links below, the links from our banking careers page www.kent.ac.uk/careers/sitebank.htm and our Interview Reports for banking interviews.
 
You are likely to get verbal and numerical reasoning tests: see www.kent.ac.uk/careers/psychotests.htm for examples. 


There follow some of the questions that might be specifically asked of students at interviews for investment banking jobs. General interview questions are not asked here, so you might also like to try the general or multiple choice interviews as well for standard interview questions that can be thrown at any candidate. Click on "First Question" to begin. Think carefully about how you would answer, then click on "Show Answer Tips" to get an idea of how you should be answering.

Friday, November 23, 2012

How U.S. Bank Weathers the Crisis

A few banks, however, appear well-equipped to weather the crisis, and prominent among them is U.S. Bank. The company's financials remain fundamentally sound, in large part because its home mortgage group maintained conservative lending practices when many of its competitors were trying risky strategies to cash in on the housing boom.

While other banks have struggled to stay in business in an environment of low consumer confidence and reduced consumer spending, U.S. Bank has been able to sustain trust among its current and potential customers. It was one of two banks able to increase its loans in the fourth quarter of last year; moreover, new deposits flooded in during that time as customers turned to a bank they viewed as secure. Those perceptions weren't unfounded: in February, Global Finance magazine named U.S. 

Bank as one of the world's 50 safest banks, based on total assets and long-term credit ratings.
"Our future is very bright," says Dan Arrigoni, president of U.S. Bank Home Mortgage. "With all the turmoil, there has been much consolidation and a thinning of competitors. We've benefitted from our reputation for quality, and our volume is projected to increase significantly."

Taking care of business

Much of the philosophy that has allowed U.S. Bank to avoid the worst effects of the subprime lending fiasco can be summed up in two words: relationships and discipline. More specifically, the bank's loan officers are good at building lasting relationships with customers and disciplined enough to avoid advocating loans that carry too much long-term risk.

It was the importance of those two characteristics that led the company to establish a partnership with Gallup in 2004. Marla Mayne, U.S. Bank's senior vice president for national retail lending, sums up the company's recruiting strategy prior to that point as "hiring based on experience, a handshake, and revenue numbers" -- an approach that lacked discipline and led to inconsistency in the productivity of new hires.

U.S. Bank sought a more scientific approach that included assessing its best performers and seeking candidates with similar talents. The initial partnership began with the selection of loan officers, followed soon after by selection of sales managers and regional managers.

Bank gallup interview questions

Eligibility for Admission

Enrollment Services directs all functions of the Admissions and Records Office. The Office of Admissions is located in the Student Services & Technology Building. All correspondence regarding admissions should be directed to: Office of Admissions, UNM Gallup, 705 Gurley Avenue, Gallup, NM 87301.

The University of New Mexico Gallup has an Open Admission Policy. Admission is available to any student, not currently under suspension from any post-secondary institution, who meets at least one of the following criteria:

1. Is a high school graduate, or

2. Has passed the GED test.

3. Is 18 years or older and not currently enrolled in high school. Students under 18 should contact the Admissions Office for special admissions programs and requirements.

4. Is a U.S. citizen or eligible non-citizen.

Admission to UNM Gallup does not necessarily mean acceptance into specific degree programs. For information on admission to Associate of Arts, Associate of Science, and Associate of Applied Science degrees see pages 14.

Application Procedure

To apply to UNM Gallup, submit a completed admission form. If you are applying for admission to a degree (AA/AS/AAS) program, you must also submit:

1. $15.00 cash, check or money order (this is non-refundable).

2. An official copy of your high school transcript or report of GED scores. The transcript or score report must be sent to UNM Gallup directly from the institution of origin and bear the signature of the registrar or test center administrator.

3. Official copies of transcripts from each post-secondary school you have attended. These, also, must be sent to UNM Gallup directly from the institution of origin.

Students applying for financial aid must be admitted to degree status by Friday of the third week of classes.

Students permitted to enroll for classes prior to receipt of official transcripts may be returned to Unclassified Status if their transcripts do not reach the Admissions Office within three weeks following the beginning of classes. 9


Applications for admission may be submitted at any time during the year but should be on file at least one month before the beginning of the semester you wish to attend. Applications may be submitted in person or by mail. An application is required. An interview is not required.

Interview questions Deutsche Bank

Question:

How would you rate us against our competitors?

Answer given:

In conducting my market research when embarking on my job hunt, I obviously took a close look not only at your company but also at your competitors. I’m aware that some of your competitors have a larger market share, higher turnover and higher profits but what struck me about your company was its outstanding reputation for customer service and customer care. Some of your competitors may have a larger share of the market for the time being but, judging by the number of disgruntled customers posting their comments on the Internet, I’m convinced that I can work with you to ensure that we end up overtaking them. You’ve clearly focused on quality and reputation above all else, knowing that if you get this right then the profits will follow. That’s a strategy I agree with wholeheartedly.

Question: 

What do you find most satisfying about your current job?

Answer given: 

That’s a difficult question – because there’s a lot I like about my current job. I want to move on because I’m looking for a new and greater challenge – not because I dislike my current job. But to tell you what I enjoy most about it, I’d say that I enjoy giving direct support to senior management in a way that really makes a difference. The contribution I make is vital to their ability to make key financial decisions which ultimately influence the overall success of the business. I enjoy the challenge; I enjoy the responsibility and I enjoy the methodical and precise approach which is necessary for me to deliver the information the management rely upon.

Question:

Have you been tempted to leave your current employers before?

Answer given:

No, it’s not the first time I’ve considered moving on. An opportunity did previously arise via my network. However, at the time I still felt sufficiently challenged in my role and still had plenty of things I wanted to achieve. So I declined the offer. Clearly, things are different now and I feel ready to embrace a new challenge.

Question: 

What is your relationship like with your current employer?

Answer given:

I have no complaints. I’m happy with the way they operate and with the way they treat me and the way they treat their staff in general. They’re good employers. They’ve taught me a lot; I’ve gained a lot of experience and I feel appreciated by them for the results I achieve and, generally, as a member of their team. I do feel that they’re perhaps not as fast-moving and progressive as they could be which is probably my main reason for wishing to move on and join an organisation such as yours.

Question:

Wouldn’t you be better suited to working for another organisation?

Answer:

It’s true to say that I have generally worked for larger companies. However, whilst larger companies have certain advantages over smaller ones, they also have certain disadvantages. Your company may not be the biggest in the sector but you clearly have a reputation as one of the most progressive. The company is evolving and developing rapidly, undoubtedly helped by the fact that you are smaller than some others. It makes you more manoeuvrable. I’d like to play a part in capitalising on that manoeuvrability to help the company become one of the biggest in the sector. I want to work for an organisation which is forward-thinking and isn’t afraid to tackle new challenges, unlike some of the larger companies I have previously worked with.