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| *Ostroff, Fair and Company>>>Financial Services |
When do prospective employers do a credit/background check? |
I went for an interview for an admin position in a bank. The interview was great! They loved me. I filled out an application and consent for them to do a credit and background check. My credit is definitely not the greatest, but I did get called for a final interview. They checked my references via email so do you think they did the credit or background check already? I just don't know what to expect at this interview...thanks After your last interview. when you deal with money or are in a position where you deal with valuable things. it also says somehting about your character. It is a sad but true fact that most people who are up to their eyeballs in debt will be more tempted to steal money to alleviate their financial situation. If you are overextended financially, they will not hire you for a job in which you are responsible for handling money. They are not supposed to do the credit and background check until they have offered you a job. So they most likely have NOT checked those yet. They will most likely tell you that your offer is pending the results of your background, credit and drug tests. If any of those come back unfavorable, they will not hire you. I'd say they have also done your credit/background check as well if they thought it were necessary. So, don't fret it's OK. They wouldn't waste their time to call you for a second interview just to confront you. In my experience, second interviews are just a confirmation of what they already decided to do (hire you). They may introduce you to some senior manager and there may be some (mostly minor) details to go through. However, don't let your guard down, it's not over till it's over, but is sounds great so far. Good luck!!! When an employer hires someone to represent the company, if it is a conspicuous position, they are going to have to use discretion in their hiring practices. A bank position is one that requires great trust and confidence keeping from its employees. In order to determine if you have ever been in trouble with the law or irresponsible with your own money, they run a background/credit check. If you are irresponsible with your own money, it may be presumed that you would not be adequately responsible with a stranger's (who happens to be their patron). It reminds me of the expression ... the fox is guarding the hen house. In others words, if your credit is not great, look into making corrections where needed. When at the interview, be honest. If you had times that the income simply did not meet the outgo, simply say so (IF they mention that your credit record was not ideal for the position). The state of the economy is beyond your control. Sometimes we spend without anticipating increases in expenses. Sometimes things happen to prevent us from having much extra money to cover our liabilities. Telephoning the debtor and explaining the situation is much better than just not sending the check. Often, they will waive extra fees and agree to allow you to wait a month (or quarter) before penalizing you for your situation. Good luck with the interview...who knows they may look at it as a way to criticize you and persuade you to accept less money for the position. Be sure to ask about dress code; banks vary on this point. See the source below for some information on "interviewing" ... as a process. http://en.wikipedia.org/wiki/interviewin... Each company has their own process .. you can't second guess them. Just be totally HONEST about what they ask you .. in a position of TRUST they have to be confident that they can trust you in spite of the past... |
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