Interview Tip-3

Interview Tips for Clerical posts in banks

           Interview panels that examine candidates for bank clerical posts confront a number of hilarious situations.For instance, a simple question such as, “Why did you apply to this bank?” They receive answers such as — “I had nothing else to do, so I applied.” Or “My father asked me to.” Or “I was studying and I had time to apply.”Endearingly frank they may be, but these replies are definitely not recommended if candidates want to stand a ghost of a chance with the interview panel. A number of public sector banks will soon be announcing interview dates for their clerical recruitments. About 5.31 lakh candidates have cleared the written exams and are expecting calls for interviews.We asked some experts about what they looked for in candidates. Here is their take:Dr A. K. Konar, Professor – Psychometrics, Institute of Banking Personnel Selection (IBPS), said candidates must be their natural self. He said, “They should be positive, focussed, honest and not try to be someone they aren't. Most panels will try to find out what the individual knows, in the limited time of 20 minutes available to them.”The panel will see if the candidate knows about the bank to which he is applying. They will find out if he has read the papers and is familiar with current affairs.Dr Konar offered a word of comfort, “They have got through the difficult part. They shouldn't get nervous or intimidated. They should be natural.”Mr V. H. Ramakrishnan, former General Manager, Bank of India, who has interviewed candidates earlier, said that most candidates are ‘well coached' — thanks to a number of coaching institutes.He said, “Candidates these days are even trained on how to enter the room, how to greet, how to sit and how to say bye at the end of interview. Very few candidates are frank and speak from the heart. They give the standard, well-rehearsed answers.”

Interview Tip-2

Interview Tip-2

Dear readers, Interview for IBPS CLERK III is starting from upcoming week and many readers have requested for Interview questions and  tips.

So here we are providing you some Interview questions which has been asked in Bank interview and also presenting you the tips to answers the questions.

1. Tell us something about yourself.

This question is randomly asked in an interview as to know what you know exactly about yourself.  You should not answer them about all the information which you have mentioned in your resume. 

Be natural and calm. Speak slowly and tell them about your strengths, achievements and passions etc.

So mention your strengths and interests that are related to a job.

2. What do u mean by term Banking?

Ans: The term banking has been broadly defined under banking regulation act. 
As bank is engaged in the business of accepting the deposits from public and utilize such deposits either for the purpose of lending or for the investment"

3. What are the main functions of commercial banks?

The main functions of commercial banks are:

1. Accepting deposits

2. Giving loans

3. Overdraft

4. Discounting of Bills of Exchange

5. Investment of Funds

6. Agency Functions

7. Miscellaneous Functions

4. Why do you want to join Banking Sector?

This is a very simple question, but in order to give a suitable answer, you must know how to answer. You need to know about the Banking Sector in which you are willing to work for and read their job description.

When you are asked this question, tell them that working for Banking Sector will be a challenging and beneficial experience to you.

Ans: 
1.This is really a golden opportunity for me to develop my career in Banking as well as in a Govt. sector.

2.  Indian banking sector is one of the fastest growing sectors in the country. 

3. It has clear career path.

4. It has social reputation.

5. Future is very bright and we can also enjoy loans at cheaper rates.

6. It has white collar job and has regulated working hours.

5. What are the qualities of a Banker?

If you are going for a bank interview, you should know about the qualities of a banker.

Ans:
1. Peoples Skills: You must have the ability to relate to customers as well as your co-workers.

2. Good communication skills: It will help if you have good verbal as well as written communication skills.

3. Honest.

4. Knowledge of computer

5, Innovative to sell value added products of a bank.

6. Liberal focused towards its customer.

6.What is your Strength?

This is again a very commonly asked question. The Interviewer here wants to analyze how much you know of yourself.

Strengths:- You should mention your strengths that are beneficial for them and also which is related to your job.

For Ex:  I have good communication skills"

"I Like Interacting with people"

"I am good at an analyzing Problems and working in a team to find out appropriate solutions".

7.What is your Weaknesses?

Weaknesses: - You should not say that you do not have any Weakness. It shows that either you are Overconfident or have not assessed yourself and don't want to talk about it.

For Ex: i. My greatest weakness is that I always have a tough time saying no to tasks unless I am already close to being overwhelmed.

ii. I work on it constantly, and have learned the hard way that sometimes I just can't do it all!

iii. I am a very straightforward person. Sometimes this is my weakness and sometimes this is my strength.

8.Why should we hire you?

The Interviewer wants to know your suitability for the job so in this question you should tell about your Strengths and achievements so far.

You should mention your strengths so that they would come to know your fitness for the job.

Do not say something which is not true about you. Avoid using phrases like "This is the Best Company" or "I want to work in this field." Don’t try to please the interviewer by giving wrong information.

9.Why do you want to leave your current job?

This question is typically asked in an interview. There are many negative answers to these questions.

For Ex:  I hate my job, I hate the company, I'm not appreciated there, I hate my boss, I'm sick of working there, etc.

 Be direct and focus your interview answer on the future, especially if your leaving wasn't under the best of circumstances.

You can answer in a way:

1. This position seemed like an excellent match for my skills and experience and I am not able to fully utilize them in my present job.

2. I am interested in a new challenge and an opportunity to use my technical skills and experience in a different capacity than I have in the past.

10.Where do you see yourself in five years?

The interviewer wants to understand more about your career goals and what is your level of commitment to the job they are offering.

You should answer in such a way that ensures them that you are interested in making a long-term commitment towards the job and will have a long term and mutually beneficial association with them.

For example: My goal right now is to find a position at a company where I can grow and take on new challenges over time.

Ultimately, I’d like to assume more management responsibilities and get involved in company strategy. But most importantly, I want to work for an organization where I can build a career.”

What to expect in Personal Interview?

What to expect in Personal Interview?

            We've already given you some tips regarding PI, but today we will be discussing the real scenario of a personal interview. How questions can be framed? What can you expect in PI? Keep reading and you'll get more familiar with PI.

On an average personal interview process for a person can around 10-12 mins. The more questions they'll form, higher the possibility for you to get tangled in their web of questions, but with good self-confidence and composed self you can tackle this situation. You need to be aware, and vigilant so that you can get through this phase with flying colours.

Eye contact and greeting to the interviewers in interview panel are also very important.

 Your confidence is reflected from your tone of voice and eye contact along with the manner in which you are sitting. Small things make big differences in the interview process and everything is interlinked in this process when it comes to grades. 

Every individual is different, and everyone's way of giving answers is also different. You should find your individuality and by practicing you'll refine your answers.

Let us here consider a Candidate Karthik Narayan Thakur, appearing for RRB Officer interview process. Karthik is from Madhubani, Bihar and has been preparing for bank exams for the past 2 years. The interview panel in most cases derive questions from one's own answers. 

Q. Let us start with the Introduction, Karthik tell us about yourself.

(Prepare a brief introduction about yourself, answer to this question may include you educational and family background, your qualifications, interests and, hobbies etc. Prepare an intro of 10-12 lines and, you can also include some important experiences of your life. There is a fine line between a good introduction and a not so good one. This is usually the most important question as it will frame how rest of the interview process will go.)

Q. What is the meaning of your name Karthik and Narayan?

Karthik is a month in the Hindu calendar which is in between the months of October and November. Karthik is also the name of one of Lord Shiva's (Mahadev) sons. And Narayan is one of the names of Lord Vishnu. Both of these are Gods worshiped in Hindu faith.

Q. What are Badrinath and Kedarnath?

     Badrinath and Kedarnath both are Hindu pilgrimage sites situated in Uttarakhand. In Badrinath, lord Vishnu is worshiped and Lord Shiva is worshiped in Kedarnath. These pilgrimage sites are among the 'Uttarakhand's Char Dham'.

Q. What do you know about Madhubani Painting?

        Sir, Madhubani painting originated in a small village, known as Maithili, of the Bihar state of India. Mithila painting, as a domestic ritual activity, was unknown to the outside world until the massive Bihar earthquake of 1934.

Q. Where is Mithalanchal situated at?

Northern side of Bihar State.

Q. How many districts are there in Mithila?

Sir, there are 10-12 districts in Mithila (due to disputed nature of some districts.)

Q. Tell us about Pradhan Mantri Jan Dhan Yojna.

        Pradhan Mantri Jan Dhan Yojna is a part of financial inclusion to ensure access to financial services, namely, Banking/ Savings & Deposit Accounts, Remittance, Credit, Insurance, Pension in an affordable manner. Account can be opened in any bank branch or Business Correspondent (Bank Mitr) outlet. PMJDY accounts are being opened with Zero balance. 

Q. Tell us about your Family Background.

       (To answer this question you should be prepared with a brief intro of your family background, this may include, your father, mother and siblings educational qualification and work stream. You can you can also include your upbringing and schooling background.)

Q. Where your father is working currently?

       Sir, my father is working in the Indian Railways Department in Siliguri, West Bengal. And Siliguri is near Darjeeling which is a famous tourist destination and it is also famous for its tea gardens.

Q. Who is the present MP of Darjeeling?

 S. S. Ahluwalia is MP of Darjeeling

Q. So, you said you have an elder brother, where does he work?

Sir, he works in Indian Overseas Bank as a Branch Manager

Q. Okay, Who is the present Railway Minister and he is from which constituency?

   Suresh Prabhakar Prabhu is the present Railway Minister and he is from Rajapur constituency of Maharashtra state.

Q. How many states are there in upcoming Assembly Election?

 Sir, there are 5 states in upcoming assembly elections, Uttar Pradesh, Uttarakhand, Goa, Punjab and, Manipur.

Q. Who is Governer of Uttar Pradesh and CM of Manipur?

Ram Naik is the Governer of U.P an Okram Ibobi Singh is the Chief Minister of Manipur.
Q. So you are from commerce background, are you well verse with the questions relate to banking and finance, will be you be able to answer confidently if we ask questions relate to schemes an finance?

Yes sir, sure, I will try my best to answer your questions.
Q. What is Voucher?

  A voucher is an internal document describing and authorizing the payment of a liability to a supplier. It is most commonly used in a manual payment system.

Q. What do you understand by a balance sheet of a Bank?

    A balance sheet is a financial statement that lists all the bank's assets and liabilities.

These were some questions frame from the answer of the candidate himself. There are certain topics that you should be prepared with. Following topics are important in the current scenario.

• De-monetisation: What do you feel are the impacts of demonetisation in India?

• BHIM Application for mobile

• What is Swabhimaan Yojana?

• What is NOSTRO and VOSTRO account?

• What are the Functions of RBI?

• What is PLR and Bitcoin?

• What is Pradhan Mantri Garib Kalyan Yojna

• What is Priority sector lending (PSL)?

• Monetary Policy and Fiscal Policy

• What is your point of view on Rail Budget being merged with the general Budget?

It is very important for you to be humble in all your responses. Many good candidates are left out because probably they were too overconfident; you can use some keywords while answering " Sir, as I am an aspirant, and from my humble point of view I would like to say..." In interview process candidate's attitude matters a lot, and it will be beneficial if you practice with mock interviews and read interview experiences. 

Interview Tip 1

Hello Readers,

Here we are providing you all "Some Important Tips for Interviews and Group Discussion" for various Interviews in which you are yet to appear.

Some Important Tips which you have to keep in your mind while going for Group Discussion (GD).

• Be as natural as possible. Do not try to be someone you are not. Be yourself. In an attempt to be someone else, your opinions will not be portrayed;

• Sit with a straight and confident posture;

• Be assertive yet humble. You need to stick to your values and beliefs, but learn to respect the values and opinions of others too;

• Grab the opportunity to speak first, i.e. to start the group discussion with your opinion. It generally leaves a good impression on the evaluator, but take the move only if you have complete knowledge of the subject;

• Do not repeat a point, or be lengthy or irrelevant. Also intervene, if someone else is going on an irrelevant track;

• Facilitate contribution from others. Do not just go on and on and on with only your opinionated view. Remember, it is a group discussion. Allow others to speak too; 

• Make an eye contact with all the participants. It creates more room for conversation. Also keep nodding, when others speak, it shows receptivity;

• Be an active and dynamic participant. The examiner wants to hear you speak. So do put forth your views;

• Be positive and prepare your thoughts well but do not be over-confident;

• Think well before you speak. You are being heard and judged upon

• When raising an objection to a point kept by another speaker, back it up with a solid reason to get the point across;

• Use quotes, facts and figures, statements, everyday life examples to express a clear chain of thoughts. Also it might leave a good impression on the examiner and help you score well.

Some Important Tips which you have to keep in your mind while going for Interview.

1. Tips on Preparing for the Interview-Day:

• Gather information about the bank or organization that has invited you for the interview. This will give you a clear idea about the philosophy, work environment and reputation of the company.
• Read the job description carefully as to what they expect from you.
• Evaluate your qualifications, experience, and core competences, areas of strength and accordingly draw up a questionnaire along with your replies to the expected questions.

2. Brush up your communication skills.

• Interviewers normally ask you to highlight your strengths and weaknesses.
• Strengths of course can be emphasized more easily but even the weaknesses can be presented in a positive light. For example, ‘I am a little impatient with the people who are not focused enough, or non serious about the work in hand’
• Go with a positive frame of mind, without worrying much about the outcome.

3. Attending the Interview: Go with a smile (not a grin) on your face, with confidence and determination to succeed in your heart.

4. As You Enter:

• Depending upon whether you are being interviewed by one person or a panel of interviewers, greet politely ‘Good Morning’/Afternoon or Evening depending upon time of the day.
• If there are more than one person then address them as ‘Sirs/Madams’ and try to encompass them all in your greeting. If there is only one lady in the panel, it is polite to greet her separately.
• Most probably you will be offered a seat. Do not sit down unless you are asked to.

5. Facing the Interviewers

• As you sit across the interviewer(s), look confident and relaxed.
• In most cases the interviewers themselves will try to put you at ease.

6. The Body Language

• Good body language can be inculcated and practiced. Your facial expression, appearance, gestures, how you walk, talk, stand, sit, use your limbs etc. all form part of your body language.

7. Pay attention to the following.

• Sit straight comfortably without craning your neck. Do not slouch.
• Look attentive, keen and interested.
• Talk clearly, maintaining a pitch that is comfortably audible to the person(s) around.
• Do not get overexcited even while describing your achievements and strengths.
• Listen to the queries attentively, constantly maintaining polite eye contact with the interviewers.
• Nod your head to show that you are listening, interjecting appropriately with ‘Yes Sir/Madam’, absolutely, definitely etc.
• Lean forward a little as you speak and backward as you listen.
• Do not touch your face, or shake your legs.
• Keep your arms either on your sides or in your lap. Do not fold your arms, as it is a sign of rudeness.
• Use short simple sentences while talking. www.bankersadda.com |
• Do not make unrealistic tall claims during
• Never get too arrogant or aggressive in front
• Do not show your disappointment and disinterest. 
• Poise till the end.
• Always thank the interviewers as you leave.

All the best!!!