discover高沃金融服务公司-电话面试面经

FICO专业面试之相关资料整理（注：这份资料是经过几位老师在一起讨论、统一出来的模板。

建议学员关注其中的问题，这里的答案是结合几位优异面试者的现场回答组合而成，不是标准答案，只做参考。

）问：简单介绍下自己（了解对方的沟通能力、表达能力以及项目经验）提示：回答者要侧重于自己的SAP项目经验。

大体上做过几个项目，所属公司，自己在里面的身份，工作内容，周期，模块，几个人等问题这些若回答者没有答全或者没有涉及到时，可以作为面试官继续提问的话题。

问：你在项目里面具体是怎么做这些事情的？答：1、调研。

和客户沟通，进行需求分析，形成文档并且加以总结。

大约需要两周时间2、蓝图设计。

根据调研结果来设计蓝图，通常时间分配为功能文档一周，技术文档一周3、配置与测试。

配置很快，通常几天就可以完成，先进行本模块内的测试，然后是多个模块间的集成测试。

4、培训。

按照key user 和end user 的接收程度来确定时间，一般上是半个月左右。

5、用户测试。

先模块内部测试，然后集成测试。

集成测试的时间会相对长一点。

一般而言，客户在使用的过程中会对报表有一些要求，而开发报表的数据是由该公司人员提供的。

（建议参照以下资料）顾问各阶段的任务：五阶段：1、项目准备：包括项目计划，项目章程，组织结构，人员职责，项目工作环境等的设定。

2、蓝图设计：完成客户未来流程的设计，概念培训，现状调研，蓝图设计。

3、系统实现：讲蓝图中的流程在SAP系统给予实现。

4、上线准备：上线数据的准备以及最终用户的培训工作5、系统切换以及上线支持：将原有系统导入到新系统。

问：通常情况下，用户会在哪些方面有问题？答：多出现在操作上面。

在项目上线后运行中的时候，用户会出现一些问题。

这块解决的难度并不是很大。

问：月结这块出问题多吗？答：这个是分模块而定的。

一般情况下，FI的会好一点，但是CO这块在月结上问题很多。

比如说，最终结果出来了，用户不知道流程是怎么样的，我们则需要给他们解释，分析逻辑。

We all firmly believe that no matter how cold the wind and snow are, and no matter how long the winter is, we cannot prevent the return of warmth.通用参考模板（WORD文档/A4打印/可编辑/页眉可删）金融面试问题“getting to know you?examples：why did you choose this career?what are you looking to achieve in your career 5 years down the road?why did you choose our firm?tell me something about yourself. what other career would you consider if you are unsuccessful in getting a job in this industry?tell me some of the values that define you. what are some of your failures or disappointments, tell me how you cope with them?are you a good team player? give me some examples to support it. tell me some of the biggest challenges you have encountered. what would you like to change in your life if you can do all over again?specific and technical questionsexamples：why do you think that you are suitable for a career in corporate finance (e.g. fixed income sales, equities, sales, etc)?can you tell me something about the job?can you recall one recent case of mergers acquisitions and discuss the merits, valuation and financing?can you tell me about a stock that you like and why?what are some of the largest transactions in the corporate mergers and quisitions arena?why do you think that the stock markets in the u.s. and europe are doing so poorly?can you recall what was the all time high and 52-week high low for the sp 500 and the dax of germany?can you summarize what went wrong with worldcom?what are some of the key legislations related to the financial industry being debated in the congress?do you have a sense of how big the u.s. treasury market is?what impact does the u.s. federal reserve decisions have on the equity rkets?what is the shape of the current yield curve?金融系面试问题回答1.citigroup："what is your strategy at table tennis?"花旗集团：你打乒乓球时采用什么战略?2.hedge fund:"tell me a clean joke."对冲基金：讲个非黄色笑话吧。

第1篇高盛VI面试题目：案例分析题目背景假设你是一名投资银行分析师，你所在的公司正在考虑投资一家名为“绿色能源”的公司。

这家公司主要从事太阳能电池板的生产和销售。

以下是你手头上的资料：1. 绿色能源公司近三年的财务报表。

2. 行业分析报告，包括市场趋势、竞争对手、技术发展等。

3. 政策法规分析，涉及可再生能源补贴、环保政策等。

题目内容1. 财务报表分析- 请分析绿色能源公司近三年的收入、利润、资产负债等关键财务指标，并解释其变化趋势。

- 根据财务报表，评估绿色能源公司的盈利能力、偿债能力、运营能力和成长能力。

2. 行业分析- 根据行业分析报告，讨论太阳能电池板行业的发展趋势，以及绿色能源公司在行业中的竞争地位。

- 分析影响太阳能电池板行业发展的关键因素，并评估这些因素对绿色能源公司的影响。

3. 政策法规分析- 分析我国可再生能源补贴政策对绿色能源公司的影响，包括补贴政策的变化、补贴金额的调整等。

- 评估环保政策对绿色能源公司的影响，包括环保标准、排放限制等。

4. 投资建议- 根据以上分析，给出你对绿色能源公司的投资建议，包括投资时机、投资规模、投资策略等。

- 讨论可能存在的风险，并提出相应的风险管理措施。

题目分析1. 财务报表分析- 此部分考察应聘者对财务报表的解读能力，以及对公司财务状况的判断能力。

- 应聘者需要运用财务比率分析、趋势分析等方法，全面评估公司的财务状况。

2. 行业分析- 此部分考察应聘者对行业的理解程度，以及对行业发展趋势的判断能力。

- 应聘者需要结合行业报告，分析行业竞争格局、技术发展趋势等因素。

3. 政策法规分析- 此部分考察应聘者对政策法规的理解程度，以及对政策变化对公司影响的分析能力。

- 应聘者需要关注政策法规的变动，分析其对公司的影响。

4. 投资建议- 此部分考察应聘者的综合分析能力、逻辑思维能力和沟通能力。

- 应聘者需要根据以上分析，给出合理的投资建议，并阐述其理由。

外企面试常见问题及回答（最新8篇）面试是通过书面或面谈的形式来考察一个人的工作能力与否，物以类聚，通过面试可以初步判断应聘者是否可以融入自己的团队。

下面是牛牛范文整理的8篇外企面试常见问题及回答，希望能对您的写作有一定的参考作用。

外企面试常见问题及答案篇一1、Q: Why did you leave your last job?A: The job and the company were wonderful, but there was no opportunity for further advancement. I learned some invaluable skills and received very useful training in the position. My employer was happy with my work, but I recognized that there was no promotional position available for me. We are parting on very good terms, though, and I#39;ll always highly value the experience I acquired there.问：你上一个工作的离职原因為何？答：这个工作本身与公司都很不错，但是却没有升迁机会。

我学到了一些珍贵的技巧，也在该职位上受了相当受用的训练。

我的雇主很满意我的工作成果，但我知道没有可以让我升迁的职位。

不过我们分别时关係仍非常融洽，而我也会一直珍惜在那裡学到的经验。

离职或是转业的理由，最好强调是因為想找更具挑战性的工作，或是想拓展个人视野等这一类关於职涯规划的理由，千万别在面试委员面前大肆抱怨前任雇主的不是，这通常只会适得其反。

你可以说：At my current company, there isn#39;t room for growth.（我在目前的公司没有成长的空间。

Luck is an accessory to hard work.简单易用轻享办公（WORD文档/A4打印/可编辑/页眉可删）金融学面试问题1、self introduction 自我介绍问到这个问题的时候，你可以谈一下你的研究项目和实习经历，增加招生官对你的了解。

2、why finance 为什么选择金融专业?这个问题并不是想让你说明申请美国金融硕士的原因，他们更想知道你今后的职业目标。

3、会问一些实习方面的问题。

这个是可以提前准备的，我相信大家站在面试官面前的时候，大多数关于实习的问题都已经滚瓜烂熟了。

4、为什么申请这所大学的金融硕士？这个问题实际上是在考察你对学校的认可度和熟悉程度，所以事先了解这所美国大学的金融硕士是非常有必要的。

5、any questions可以问一些申奖情况，不要不好意思。

6、还申请了哪些学校？这个可以如实说，不过怎么说就需要你自己把握好“度”了。

金融系面试问题回答1.citigroup："what is your strategy at table tennis?"花旗集团：你打乒乓球时采用什么战略?2.hedge fund:"tell me a clean joke."对冲基金：讲个非黄色笑话吧。

3.apital one:"how do you evaluate subway's $5foot-long sub policy?"第一资本金融公司：你如何凭借赛百味快餐推出的5美元三明治促销活动?4.hedge fund:"what's the best e-mail address you've ever seen, and why?"对冲基金：你见过的最好的邮箱地址是怎样的?为什么?5.brownbrown insurance:"how would you rate your life on a scale of 1 to 10?"布朗和布朗保险公司:如果满分是10分，你给自己的生活打几分?6.goldman sachs:"suppose you had eight identical balls. one of them is slightly heavier and you are given a balance scale. what's the fewest number of times you have to use the scale to find the heavier ball?"高盛集团：假设你有8个外观相同的球，其中一个比其他稍重。

2.电话英语面试常见问题1）. Phone Interview Questions About Your Background（关于你的背景）• Name of company, job title and job description, dates of employment.• What were your responsibilities? （你的工作职责）• What major challenges and problems did you face? How did you hand le them? （你以前遇到过的最具有挑战性的问题是什么？你是如何处理的？）• Why are you leaving your job? （为什么要辞掉上一份工作？）• What are your salary expectations? （你期望的薪水是多少？）2）. Phone Interview Questions About the New Job and the Company（关于新工作和公司）• What interests you about this job? （这份工作哪些地方比较吸引你呢？）• Why do you want this job? （为什么想要做这份工作？）• What applicable attributes / experience do you have? （你有什么符合本工作的特质和经验吗？）• Are you overqualified for this job? （你是否觉得这份工作对你来说有点大材小用了？）• What can you do for this company? （你能为本公司做什么？）• What do you know about this company? （关于这家公司你了解多少？）• Why do you want to work here? （你为什么想要在这家公司工作？）• What challenges are you looking for in a position? （你寻求这个岗位上的哪些挑战呢？）• What can you contribute to this company? （你能为本公司带来哪些贡献呢？）• Are you willing to travel? （你想旅游吗？）• Is there anything I haven't told you about the job or company that you would like to know? （关于这份工作或这个公司还有哪些是你想了解的吗？）3）. Phone Interview Questions About You（关于你的电话面试问题）• What are you looking for in your next job? What is important to you? （下一份工作你主要是在追求什么呢？对你来说什么比较重要些？）• What is your greatest weakness? （你最大的缺点）• What is your greatest strength? （你最大的优点）• Describe a typical work week. （描述一下具有代表性的一个工作周）• How would you describe the pace at which you work? （你怎么看待你的工作节奏呢）• How do you handle stress and pressu re? （你是怎么缓解压力的）• What motivates you? （你的动力是什么呢）• Tell me about yourself. （介绍一下你自己）• What type of work environment do you prefer? （你喜欢哪种工作环境呢？）• How do you evaluate success?（你怎么评价成功）a. How to answer 10 tough interview questions（面试中最难回答的十个问题及参考回答）There's no worse feeling than when you're in an interview and the interviewer asks you a question to which you don't know the answer.The best way to handle this dreaded debacle（可怕的危机）is to go into the interview prepared. Familiarize yourself with a few common difficult questions and arm yourself with answers prepared ahead of time.Check out these tough interview questions and some suggested responses in order to avoid an interview disaster:Tough question No. 1: "Tell me about yourself." （简单介绍一下你自己）This is usually the opening question in an interview and it's the perfect moment for you to toot your own horn（展示你自己）-- not to tell your life history. Your answers should be a quick rundown（简单明了的纲要）of your qualifications and experience. Talk about your education, work history, recent career experience and future goals.Suggested answer（参考回答）: "I graduated from University X and since then, I have been working in public relations with an agency where I have generated millions of PR hits for my clients. While I've enjoyed working on the agency side, I'm looking to expand my horizons and start doing PR for corporate companies such as this one."Tough question No. 2: "Why did you leave your last job?" （为什么要辞掉上一份工作？）This is your chance to talk about your experience and your career goals, not to badmouth a former boss or give a laundry list of reasons for your exit. Instead, focus on what you learned in your previous position and how you are ready to use those skills in a new position.Suggested answer（参考回答）: "The company just wasn't a good fit for my creativity, but I learned that organizations have distinct personalities just like people do. Now I know where I'll be a better fit."Tough question No. 3: "Where do you see yourself in five years?" （你怎样看你未来5年的发展？）Let the employer know that you're stable and you want to be with this company for the long haul. Keep your aspirations to take over the firm with which you are interviewing, own your own company, retire at 40 or be married with five children to yourself.Suggested answer（参考回答）: "I want to secure a civil engineering position with a national firm that concentrates on retail development. Ideally, I would like to work for a young company, such as this one, so I can get in on the ground floor and take advantage of all the opportunities a growing firm has to offer."Tough question No. 4: "What are your weaknesses?" （你有什么缺点？）The key to answering this age-old question is not to respond literally. Your future employer most likely won't care if your weak spot is that you can't cook, nor do they want to hear the generic responses, like you're "too detail oriented" or "work too hard."Respond to this query by identifying areas in your work where you can improve and figure out how they can be assets to a future employer. If you didn't have the opportunity to develop certain skills at your previous job, explain how eager you are to gain that skill in a new position. Suggested answer（参考回答）: "In my last position, I wasn't able to develop my public-speaking skills. I'd really like to be able to work in a place that will help me get better at giving presentations and talking in front of others."Tough question No. 5: "Why were you laid off?" (为什么你被解雇了？)This question will become more common as the economy continues to slow down. It's a tough question, however, especially because many workers aren't told exactly why they were laid off. The best way to tackle this question is to answer as honestly as possible.Suggested answer（参考回答）: "As I'm sure you're aware, the economy is tough right now and my company felt the effects of it. I was part of a large staff reduction and that's really all I know. I am confident, however, that it had nothing to do with my job performance, as exemplified by my accomplishments. For example..."Tough question No. 6: "Tell me about the worst boss you ever had." （说说你见过最差劲的老板）Never, ever talk badly about your past bosses. A potential boss will anticipate that you'll talk about him or her in the same manner somewhere down the line.Suggested answer（参考回答）: "While none of my past bosses were awful, there are some who taught me more than others did. I've definitely learned what types of management styles I work with the best."Tough question No. 7: "How would others describe you?" （其他人都是怎么描述你的呢？）You should always be asking for feedback from your colleagues and supervisors in order to gauge your performance; this way, you can honestly answer the question based on their comments. Keep track of the feedback to be able to give to an employer, if asked. Doing so will also help you identify strengths and weaknesses.Suggested answer（参考回答）:"My former colleagues have said that I'm easy to do business with and that I always hit the ground running with new projects. I have more specific feedback with me, if you'd like to take a look at it."Tough question No. 8: "What can you offer me that another person can't?" （你可以为我们完成哪些其他人做不到的事情?）This is when you talk about your record of getting things done. Go into specifics from your résumé and portfolio; show an employer your value and how you'd be an asset.Suggested answer（参考回答）:"I'm the best person for the job. I know there are other candidates who could fill this position, but my passion for excellence sets me apart from the pack. I am committed to always producing the best results. For example..."Tough question No. 9: "If you could choose any company to work for, where would you go?" （如果你可以选择为任何一家公司工作，你会选哪个呢？）Never say that you would choose any company other than the one where you are interviewing. Talk about the job and the company for which you are being interviewed.Suggested answer（参考回答）: "I wouldn't have applied for this position if I didn't sincerely want to work with your organization." Continue with specific examples of why you respect the company with which you are interviewing and why you'll be a good fit.Tough question No. 10: "Would you be willing to take a salary cut?" （你能接受降薪吗？）Salary is a delicate topic. In today's tough economy though, how much a company can afford to pay you might be the deal breaker in whether or not you are offered a position.Suggested answer（参考回答）:"I'm making $X now. I understand that the salary range for this position is $XX - $XX. Like most people, I would like to improve on my salary, but I'm more interested in the job itself than the money. I would be open to negotiating a lower starting salary but would hope that we can revisit the subject in a few months after I've proved myself to you." Q：Can you sell yourself in two minutes？Go for it. （你能在两分钟內自我推荐吗？大胆试试吧！）A：With my qualifications and experience, I feel I am hardworking, responsible and diligent in any project I undertake. Your organization could benefit from my analytical and interpersonal skills.(依我的资格和经验，我觉得我对所从事的每一个项目都很努力、负责、勤勉。

高盛投行面经：先自我介绍一下，偶系计算机系小本，专业技术不算突出（虽然还是热爱自己的专业的），但做事情比较认真，喜欢英语这门科目。

先概述一下自己从投简历到被录取的过程，然后叙述一下对于各个环节的个人感想，这个算是此面经的基本框架吧。

（一）应聘过程高盛今年在中国大陆地区主要在七所高校开办了宣讲会，大约于十月中旬的一个周三来的南大，因为我对自己被这样的金融公司录取没抱很大信心，再加上喜欢陆MM 的并行计算课，没舍得跷，所以当五点钟赶到逸夫管理大楼的报告厅的时候，宣讲会已经结束了，剩下一些同学在围着招聘人员就公司情况和录取过程等一些事情询问。

大概是因为商院的同学比较多的缘故吧，大家好像都对FICC(fixed income,currencies and commodities)这个部门比较感兴趣，都在围着来自这个部门的MM询问（刚巧该MM会说中文）。

我插空递上了自己的简历，那个MM扫视了一下，好像有点兴趣，说既然你是计算机系的学生，不如尝试申请一下我们的technology division，并指向不远处，说那是我们technology division的工作人员。

我扭头一看，是个老外，旁边只围着两三个人，就向MM道谢，拿起自己的简历，向那个老外走过去。

老外名Joe，非常nice，听说我因为来晚了，没能赶上宣讲会，就又给我对该部门的职能，主要从事的工作进行了一些介绍，我当时颇有些受宠若惊，（后来拿到Joe的名片的时候，发现他是Tokyo的Technology Division的vice president就更加吃惊了，这么高level的人都来了，说明高盛对招聘工作还是非常重视的。

）由于我只带了份中文简历，就只好把自己简历上面的内容一项一项解释给Joe听，参加过些什么项目，有过一些什么样的活动经历，获得过些什么奖项等等。

Joe 说我英语满流利的，是不是在国外生活过，我说没有，我只是刚巧在香港做过交换生，那边是英文教学的。

中国国际金融各部门面经您需要后才可以 |IBDSTCICC Sales trainee 面经你怎样设计career path，这三五年内有什么打算，怎样一步步地提升，还有打算从中金的工作中获得什么。

也有面IBD里问的经典问题：最大挫折是什么和最大成就/满足感是什么?专业方面问了对07年的股市疯狂有什么看法，认为是什么造成的?面sales的话，很注意你和别人打交道的能力，迅速翻开话题的能力。

金融知识和比拟全面的社会知识，面的过程就是persuade他们的过程一面的考试方式是open discussion和辩论会，讨论过的Topic有：投资股市好还是投资房市好;辩论的题目是：是否开放港股直通车。

面试的过程是给每个人30分钟，看一篇行业报告，大概有几十页，看完后做5分钟presentation，然后答复下列问题。

我记得那篇报告是中金研究员写的07年中国房地产市场报告。

30分钟肯定是不能细看，所以只能大概浏览了一下大的题目，然后根据不同的小标题写一些quick notes。

我是最后一个做presentation的，感觉评委都很疲倦。

结束后所有的人还被召集在一起做“杀人游戏由三个人进行面试，两个是销售部的领导，一个HR。

根本上重复了二面的为难，问了我好多金融问题，能记得的是如何给股票定价什么的，但我都不会。

而后就是讨论一下我过去的工作经历，还有我过去的公司和我们主要竞争对手的分别。

老实说，这局部以前没准备过，说的也不怎么全面，面试结束的时候我心理也知道面砸了。

WHAT IS THE MOST IMPORTANT CHARACTER FOR A LEADER?然后是4对4的辩论。

题目是投资股市好，还是投资房市好。

先是双方轮流派人阐述，每人1分半钟，也掐表大家对中国现在经济增长方式怎么看?中国应该采取什么样的宏观手段来调控?有人从集约和粗放型经济讲，有的从民族企业反正来讲，有人从有形市场和无形市场讲。

我只能用把原来课上学的swot 模型拿出来，将中国市场作为一个企业来进行分析。

高盛面试之旅高盛面试之旅现在回想起我的高盛面试之旅，觉得还是挺有分享价值，欢迎大家阅读。

通过电话面试后（今年通过率很高），我们被邀请参加在管院举行的第一轮面试，上海这边IBD部门candidates大概有二十来个，每个人要分别面三个面试官(大概都是associate) ，每人半小时，一半英文，一半中文。

我面的第一个面试官是一个很和蔼可亲的男士，一上来先让我用英文自我介绍，然后随便问了些诸如为什么想做IB的问题。

然后开始用中文和我聊天，具体一些细节记不太清楚了，应该是针对我的简历和自我介绍的内容问了一些个人经历的问题。

最后5分钟，他让我提问。

我问的第一个问题是：”我注意到高盛前几年在中国的并购业务基本上都排在首位，但是去年好像排名下降，这里面的原因是什么？”他笑着解释说：“其实，高盛有很多有长期合作关系的大客户，比如中国**，如果它今年有并购项目（其实是国家注资），那么高盛今年的并购额马上就上去了，如果今年没有，那么排名就下去了。

“我恍然大悟：“怪不得不同年份差别会那么大，这点从公开的报道里很难看到。

“他说：“是啊，所以如果不是insider的话，是很难了解其中原因的。

“接着我问第二个问题，“现在高盛有很多竞争者都是universal bank，比如花旗，德意志银行，JP morgan等，因为他们能提供一揽子的金融服务，可能具有一些方面的竞争优势，您对此如何看待呢？高盛会不会以后也选择合并的策略呢？”他说：“我们从来都是专心把投行业务做好，在这一领域做到业内最好，从而得到客户认可。

业务铺得太开，并不一定就能带来很好的效益。

其实现在很多universal bank已经遇到这些方面的问题了。

”第三个问题是，“ 您觉得如果想成为一名投行从业者应该在哪些方面有所提高？”他说：“首先，你得具备快速的学习能力。

另外，在高盛我们非常强调team work，也就是说你得是一个很好的团队合作者。

”然后，我紧接着说自己非常适合这种文化，举了自己在PWC实习的经历说明自己是个很好的团队合作者。

全球入职面试最难的25 家公司美国求职社区Glassdoor 依据员工对其所在公司的评分，得出了一个公司面试难度排行榜。

麦肯锡高居榜首，面试难度级数达到3.9 （满分5分）。

谷歌、Facebook 等知名科技公司也跻身榜单的前25 名。

咨询公司麦肯锡（McKinsey）连续第三年被评为入职面试最难的公司。

美国求职社区Glassdoor 依据员工对其所在公司的评分，得出了一个公司面试难度排行榜。

麦肯锡高居榜首，面试难度级数达到3.9（满分5 分）。

谷歌、Facebook 等知名科技公司也跻身榜单的前25 名。

25. 托管服务提供商Rackspace 面试难度级数：3.3 难回答的面试问题：“如果你的一天20% 时间是完成工作职责，80%是用于制定战略，那你会如何处置那80% 的时间呢? 请举例说说。

”—Rackspace 收购代表的第三轮面试近期求职者的评价：“面试涉及会面预期的团队主管和经理，看看是否适合他们的团队。

期间会问到‘你更享受在一个班次中完成50 项不难的任务，还是花费很长时间解决非常艰巨的项目?'之类的问题。

24. 工农业设备制造商Caterpillar 面试难度级数：3.3 难回答的面试问题：“跟我描述一下你在必需处理安全事件时所出现的情形，具体是什么安全事件，在提供解决方案方面你有何贡献，结果如何。

” -Caterpillar供应链规划工程师的面试23.保险业软件公司Guidewire 面试难度级数：3.3 难回答的面试问题：“开放式并发和保守式并发会有什么差别?”—Guidewire 高级实施顾问的面试22.Facebook 面试难度级数：3.3 难回答的面试问题：“你如何看待Facebook 的未来?”—Facebook 产品经理的面试近期求职者的评价：“在第二次的手机面试上，我跟她说了我对Facebook 未来计划的看法，不过她说我说的跟他们现有的计划没什么两样。

(她显然是希望从我那里得到不平常的答案。