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IBC Bank
2.4 of 5 51 reviews
www.ibc.com Laredo, TX 1000 to 5000 Employees

IBC Bank Interview Questions & Reviews

Updated Mar 26, 2013
All Interviews Received Offers

Getting the Interview  15 Interviews

55%
16%
13%

Interview Experience  13 Ratings

23%
76%
0%
2.0
15 interview experiences
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Senior Sales Representative at IBC Bank

Declined Offer – Reviewed Mar 26, 2013

Interview Details – phone interview, then two face to face interviews. During the first face to face interview had to approach random people and talk about the bank

Interview Question – what was your hardest class and what does change mean to you?   Answer Question

Reason for Declining – pay was low

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Credit Analyst at IBC Bank

Declined Offer – Reviewed Feb 10, 2013

Interview Details – This interview was for credit analyst in a local branch. The interview consisted of simple questions about myself and the rest of the interview was an explanation of what was required for the job.

Interview Question – If the accounts people had in the bank were assets or liabilities in the balance sheet of the bank?   View Answer

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Teller at IBC Bank

No Offer – Interviewed in San Antonio, TX Feb 2012 – Reviewed Mar 6, 2012

Interview Details – Printed out the application online and went to turn it in and was asked to complete a math test that so easy- like 2nd grade math. After that I was told that I would be called in for an interview well I got a call two weeks later asking to come in for an interview. There was no set time I could basically walk in anytime well I arrived early and dressed professional. I had to go through a pre-screening to see if I would move onto the second round and I did. I was asked to come to conference room where I had a one on one interview with a branch manager we joked around and got off topic a couple of times but he basically read off a 6 page booklet. He told me I would be hired if I passed the background and credit check and that I would hear from them in three days. I never got the call I guess they thought my school loans were too much and that's why I didn't get hired. I probably would have declined either way because they want you to call people with existing bank accounts to open even more accounts. Basically they just care about how many accounts they have and want to be ahead of all the other banks the interviewer even said it himself.

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Bank Teller at IBC Bank

Declined Offer – Interviewed in Corpus Christi, TX Dec 2011 – Reviewed Dec 5, 2011

Interview Details – during the interview they make it clear that accounts are the most important thing. they want you to open 12 accounts a month and convince existing customers to open new accounts. the interview was fine i just had a problem with the way the bank works. especially when they want bank tellers and sales associate going to other businesses like whataburger and convincing people to open accounts. i find this so ridiculous i would not want to bother someone while they are eating.my interviewer also mention that when someone deposits a large amount in there account they want the bank tellers to call and ask them what they are going to do with there money and offer them an account. i find this so inappropriate and an invasion of the customers privacy.

Interview Question – tell me about yourself?   View Answer

Reason for Declining – if they do call me i will decline there offer because half way through the interview i knew i did not want it. the training is at the main branch and it's a 30min drive for me. the pay is horrible not worth all this pressure for minimum wage.

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Sales Associate at IBC Bank

Accepted Offer – Interviewed in San Antonio, TX Jun 2011 – Reviewed Oct 5, 2011

Interview Details – first it was a screening, followed by the area sales manager selling you the job.

Interview Questions

Negotiation Details – no negotiation on the poor pay, they sell you the job. they'll tell you that you can make unlimited money.

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Bank Teller at IBC Bank

Declined Offer – Interviewed in Oklahoma City, OK Apr 2011 – Reviewed Apr 11, 2011

Interview Details – The interview consisted of 2 interviewers. The questions were pretty standard and I would say that overall it went fine- until we discussed about salary. They offer a whole $7.50 an hour to start for all tellers, or so they told me. They also said that I would possibly be working in several branches, including Saturdays and Sundays. When I asked them if it was negotiable since other banks usually offer around $10.00, they said it was not and it was up to me to make more by the bonus incentives they offer. Then I went ahead and called a friend that used to work for this bank about a year ago, and he told me that the bonus quotas are very unrealistic and pretty much unachievable, and to not depend on them. One of the interviewers also said that they had a very high turnover rate (with the pay they offer, I’m not surprised at all). High turnover rates are a red flag for me that the work environment is not the best out there, so I just declined the offer.

Interview Question – How do you build rapport?   Answer Question

Reason for Declining – The pay is ridiculously low ($7.50 an hour).

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Sales Associate at IBC Bank

Declined Offer – Interviewed in Austin, TX Jun 2010 – Reviewed Jun 17, 2010

Interview Details – I went to a job fair and they made you fill out an application and did a quick math assessment test. (you got to use a calculator) you must have a score of at least 80. They asked very simple questions like "define success to me" and so on. Probably the easiest interview i have ever done. Then they tell you the low salary of 22000 a year. They hire inexperienced people it seems and has the LOWEST salary and longest bank hours compared to others.

Interview Question – How would you define success?   View Answer

Reason for Declining – It seemed like a negative work atmosphere. Also for such a low salary AND low commission it just didnt seem feasible.

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Banker at IBC Bank

Declined Offer – Interviewed in Jan 2008 – Reviewed Jun 20, 2009

Interview Details – I basically went to an IBC job fair where they would bring in about 100+ selected people and then interview them one by one. It was a big hoopla, but with the amount of managers that they would bring into these places to help out it was surprisingly very organized. Once you sign in you wait your turn and then you're interviewed by one person, probably an assistant manager of some sort. What IBC first looks for in these job fairs are people who already have banking experience, as they get passed to the second interview immediately. I already had banking experience so I was easily moved forward. Second interview consists of being interviewed with a manager, and then if they like your final interview is with a "District Manager", and if he/she likes you enough they'll offer you a job right then and there. (Btw all of this happens right at the job fair. There's no waiting callback period or anything like that, as IBC it seems recruits heavily from these job fairs). I was easily passed to this District Manager and was given an offer, but I turned it down.

Interview Question – Tell me about your banking experience?   Answer Question

Reason for Declining – The biggest reason is the pay. I don't know how IBC has the ability to say it with a straight face, but bankers are offered $24,000 in salary. $24,000? That's almost an insult just to even think about it. The big approach they go with is that starting out as a Banker with them is just a temporary thing, as (at least according to them) the level of advancement is very high and very fast, and that if I looked promising then by my 6th month there I'd be promoted to assistant manager. But I couldn't help get out of my head that the Assistant manager probably makes only $28 to $30k, Managers probably $35k, and that these fast advancements probably don't happen because of due promotions but because of people exiting these low paying jobs as quickly as possible. No offense to IBC, but I could make more working some mundane High school degree civil service type city job without having to worry about the hassle of sales and goals. And because I've now noticed these job fairs occur every quarter, it seems that IBC definitely loses a lot of people rather quickly, otherwise they wouldn't have so many job fairs in the same location.

In any case the interview process (besides the ridiculously low pay offer) was a good one. They managed to shuffle a lot of people in an efficient and effective manner, and everyone was very nice.

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Sales Associate at IBC Bank

Accepted Offer – Interviewed in Aug 2010 – Reviewed Jun 1, 2012

Interview Details – Went to one of the offices to apply. Once i had filled out the application they had me fill out a skills questionnaire, which was basically a mini math test. They allowed calculator use. Once that was done they took my test and told me i would receive a phone call if considered for the position. I received a call about a week later asking if i was interested in an interview. The interview was at one of the bank branches with an area sales manager. She asked me about my previous work history and how i dealt with irate customers, as well as my customer service experience. Then she let me pick between the teller position and the sales associate position.

Interview Question – How would you deal with an irate customer?   Answer Question

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Bank Teller/Sales at IBC Bank

Declined Offer – Interviewed in Apr 2011 – Reviewed Apr 28, 2011

Interview Details – All branches have signs outside the bank "IBC Now hiring" I filled out an application, took a math test, and passed. Authorized a background and credit check. Got calls to interview with 2 supervisors and could receive more calls. The questions were easy. The staff was nice in each office location.

Interview Questions

  • What would you do today to get your 3 account quota?   Answer Question
  • How would you feel being in a position that pushes you to do that or your supervisors would feel you can't do the job?   Answer Question

Reason for Declining – When I went for the second interview I was surprised by an IBC employee coming up to me and handing me a IBC account application. I declined saying I was happy with my current bank. She said, "If you get hired at this bank you will have to open an account here. Excuse me, that is illegal to tell people they have to use this bank to be hired. Next I found the interview really easy and the interview pleasant, but she keep pushing that the bank will make the tellers go out into the public and sell accounts and this may mean going to public places and trying to talk to people. She said that the management will really push you to get at least 3 accounts per day and they absolutely expect that in your job performance. I can not imagine having to go outside daily and bother people going about their day and try to get accounts. They are not talking about sales booths in stores, which I suggested to them, they are talking about making you take your own car everyday and go all over town talking to strangers and trying to lure them in for accounts. It is my feeling that this is annoying to the public. People do not like strangers approaching them during their busy day. A booth in a local business is a better idea. If people are interested they can stop and fill out a form. I heard from other employees they also want you to call existing customers to try to sell other accounts which is not terrible, but people generally resent someone pushing them with sales. For the low salary of $7.50 hr they want you to do all this and drive to Houston for training for 6 whole weeks. For me that is 70 miles away there and back each day. They say they will reimburse you for mileage but I'd want that in writing and more per hour to do all this. Just a note that Mc Donald's was just hiring at $8.50/hr and you don't have to do impossible things to work there. I heard they are so desperate for accounts that they open accounts for as little as 1 penny, so they have all these insignificant accounts which is an accounting nightmare for employees to take care of. I heard that there is constant turnover. To me this is a red flag not to even attempt to work there. They need to concentrate on customer service period, not bullying or begging for new insignificant accounts. They need to stop sending bank tellers out like sales people and let tellers do their job of customer service. It was made clear that if you don't get 3 new accounts per day management will not be happy with your performance. They are asking an awful lot for really terrible pay. They have the wrong idea of banking.

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Good experience, bad pay

 Current Employee

Pros: Looks good on resume, get a lot of experience, coworkers are easy to get along with. Also they offer profit sharing/ 401k and health insurance. Full Review `

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