Showing posts with label honey shelton. Show all posts
Showing posts with label honey shelton. Show all posts

Wednesday, September 2, 2015

The Secret to Training Tellers

Our guest blogger, Zack Merrill, CBTP, is a Senior Training Consultant with InterAction Training. You will enjoy learning the secret to training tellers.

We seldom remember the expected exchange of everyday conversation because our brain is chock-full of stuff already. If the exchange is meaningful or helpful to you then there is a better than average chance you can recall it. When you are called upon to train or be trained remember this secret: Engagement, getting involved in the training, creates a very distinct file in the brain. When you want learners to learn, teach utilizing engagement and involvement.
Clean junk from brainWhen we only read, look, or listen that information is instantly processed and we file it away in our brain under the junk file marked MISC. Very hard to recover information in this file of the brain because it is overloaded and stuff is tossed in there in no particular order. Like taking your trash and junk to the landfill. If you cleaned out that file you could sort it into four piles: Don’t care, Don’t Understand, Won’t Ever Use, I Need This. The last pile will be the smallest.

When training tellers how to perform, the expectations are high. Both the teller and the company want recall to be quick and spot-on so we wow the client and protect the company. Many bank and credit union trainers feel lousy when the trainees that attend their training don’t remember what was covered. Most trainers are offended when leadership complains that so and so wasn’t trained very well.

Idea TransferIn teller training, the amount of information that needs to be transferred to learning is staggering if you look at the whole picture. The trainer must breakdown the required knowledge, skills, and attitudes into training modules that call for engagement, relatable stories, discussion, real world examples, role play, FAQs, and note taking.

A module that I always enjoyed training tellers about had to do with the persistent threat of counterfeit items. A highly impactful technique for training tellers is the use of storytelling. Here is a favorite one of mine.

Our customer, a decorated veteran was a favorite with the branch staff. Kind and friendly, everyone enjoyed seeing him walk into the lobby. His daughter convinced him to cash some postal money orders she had received as part of a Craig’s List employment opportunity. I don’t need to tell you what happened next. He became my favorite former customer. He thought we should have been able to tell the items were worthless and counterfeit.

It’s still a punch in the gut to think about today. When we charged back the fraudulent activity it cost him over a third of his irreplaceable nest egg that he had earmarked for retirement. It pained all of us to see Mr. Smith fall victim to a scammer.

Immediately after this unfortunate event came to light, I went to the Post Office and purchased a low dollar amount authentic money order to use in the counterfeit module as a “show and tell” discussion. All new tellers as well as veterans should have at their fingertips the means to compare an incoming postal money order to a genuine one.

What stories or techniques have you used to create highly impactful training for tellers?

Great info for our audience, Zack, thank you for sharing your story.

Still learning,

Honey

Wednesday, February 4, 2015

Presenting Like A Pro

 
When a presentation or speaker amazes you, do you ever stop to think you are seeing only the last 20 minutes of a process that took hours or work? On average presenters devote 20 to 60 minutes of time for each minute of a finished presentation. That means that a 10-minute presentation can take up to 6 hours to prepare. Keep everything organized when you are working on your presentation with these four tips:
 
Who is my audience?
What does your audience know about your subject? Why is your audience listening to your presentation? With what attitude do they approach your presentation? Understanding who your audience is will help you in choosing the right words, graphics and length of your presentation.

What is the purpose?
Are you persuading your audience or are you simply informing then? Are you training them on a specific topic? As with the first question, the answer will help you in choosing how to develop your presentation in terms of wording and graphics.
 
What style?
Once you have determined the audience and purpose of your presentation, you can consider what style is appropriate. Perhaps a problem-method-solution approach is best? Maybe it suffices to only place outlines in your presentation and engage your audience with your stories? Perhaps you want to test your audience and repeat your key points throughout the presentation?
 
Rehearse
Even the most talented speakers need to rehearse thoroughly. Initially, don’t worry about your posture or tone. Once you feel confident about the content of your presentation you can tweak the flow and make sure your transitions are effective, both in your voice and on your slides. Record your presentation when you are happy with it. Embrace your style, be natural. The payoff from rehearsing is that you will be more relaxed when you do your live presentation. Recording your practice session is beneficial in numerous ways. A recording offers a change in perspective: now you are an attendee and you watch and listen in that role. The recording also helps you fine-tune what you want to say, how you want to say it and tighten up your time line.

People that like to make a difference find that helpful presentations can do just that.  Make a difference.
 
Still learning
 
Honey

Monday, April 7, 2014

Mind Map - Best Tool in My Training Toolbox




I am a major fan of mind mapping, I don’t know a tool I use that is more helpful when I want to construct a plan or teach others to retain information. 

In every workshop I do today I teach my participants how to mind map.  It is spelled out in my latest Supervisor Manual.  Recently in Virginia while doing a Train the Trainer program the response to mind mapping was very enthusiastic.   
Randy Nicely, Vice President/Director of Training & Development with Valley Bank in Roanoke sent me the following email:

“Good afternoon Honey.  I wanted to thank you again for sharing your expertise and experiences with me at the VBA training sessions.  I benefited greatly by attending both the Train the Trainer session and the Branch Leadership session.
I immediately began using Mind Mapping in my FSR School to assist them with product knowledge.  It is a great way for them to categorize information about a product (free, rewards, qualifications, non-qualifications, ancillary services, etc.).  They can self-test their knowledge at any time and then compare what they remembered to our Product Profiles we provided in training.  

I plan to revisit your material, my many notes and my Action Plan after I teach one more FSR School this week.  You and Janice provided some excellent reminders as well as many new things for me think about as I continue to develop the training program here at Valley Bank.  

I have registered for your newsletter and I look forward to attending future training sessions with you.”

All of us that train others, appreciate unsolicited testimony.  Thank you, Randy!

Put mind mapping to work for you!

Still learning, 
 

Honey

Monday, April 8, 2013

Choose Learning as a Core Value


For starters, you must identify who “owns” training, that one individual responsible for leading the charge, organizing the effort, and, in some cases, implementing the training. 

Next, you will need to do the preliminariesascertain what is needed, visibly obtain the complete endorsement from the top of the bank and build a plan to get where you want to go!
Who should be the designated driver for training at the bank?  No question Human Resources acts as home base for training; it’s the conscience of professional development no matter what size your bank is or wants to become. Oversight for salaries, promotions, personnel files, job descriptions and performance evaluations belong to HR so that key area of the bank should be the fuel behind passion for training.  Depending on the size and structure of your bank, it may be time for Human Resources to launch a formal training department.

A community banker that has been there, done that is Randy Hesson, Vice President/Education Director, Cornerstone Bank in York, Nebraska.  Hesson says,

"I think the most critical piece in making training effective is having the endorsement of the man or woman at the top. Training took on a new meaning at our bank when our President said to our management team, ‘Our trainers are the messengers bringing my message that training is a must! It’s not the trainers message it’s my message.’ 

Another key piece to training effectiveness is determining who needs what.  Here’s what is working for us in that arena.  First, we have a 15 member Education Committee which meets monthly.  Each member takes responsibility for surveying one or more departments to identify training needs and report them to the Committee. Secondly, each employee is asked to complete a Training Profile form during the annual performance review. Input is expected both from the employee and the evaluating supervisor.”

It takes dedication and buy-in to keep training effective on target and current.  Plus, it takes perseverance to guard against complaining or other tactics intended to halt or stall when a strategy for training is in place.  No question training can easily be derailed due to mergers, staffing issues and other complications.  Yet the bank that takes on training like they are required to take on compliance, and like they should take on sales, will be insulated against training taking a back seat when things heat up. Choose to make learning a core value of the company and training will be embraced. 

Still learning, 

Honey

Monday, July 30, 2012

Cross-Selling and Customer Service - Perfect Match!

Cross-selling is not about being pushing. It is about building on the existing relationship you have with the customer. When you perform your job in a friendly, knowledgeable, efficient way, customers will be inclined to think of your institution first when a need for additional products or services surfaces. 
 

Are you aware that it costs five times more to acquire a new customer than it does to sell an additional product or service to an existing customer?  So it makes perfect sense to maximize and expand the relationship you with have with your existing customer. The road to that success is paved with cross-selling.  The branch is one of the best stops on that road!


The customer’s attitude toward their financial institution is highly influenced by two key factors—location and customer service.  That points directly to the branch and those that work there!

All branch personnel are encouraged to acquire the skills and “attitude” necessary to detect, and on occasion, create prime opportunities to cross-sell and refer customers to product specialists.

Who all benefits from cross-selling success at the branch? The answer is three-fold:

Customer:       Your customer wants all the convenience and satisfaction your company has to offer!  Never assume the customer magically knows what you have to offer that will enhance satisfaction and elevate convenience! As a dedicated quality service provider the teller must complete the job of taking good care of the customer by first seeking out what the customer may need and then matching that need with services available. 

Company:       Your employer expects a fair return on the dollars spent on state-of-the-art technology to offer competitive products and services.  No matter the size of your financial institution, investments have been made to create Internet visibility, stay as competitive as possible in product offerings, attract new customers and keep the ones they have. The ultimate intention of cross-selling is to bolster both customer satisfaction and profitability. Plus, the frontline is in a primary position to engage the customer and create a positive experience that reinforces the likelihood the financial institution will retain the customer.

Frontline:           Your reputation for excellence in your position rides on many things including product knowledge and customer focus.  Success at cross-selling and referrals will be dependent on your skills and attitude about taking exceptional care of the customer.

Cross-selling and referral-making are legitimate expectations of all frontline personnel. It takes the efforts of all financial institution personnel to grow the profitability of the institution, as well as working to maintain and grow the depositor relationship.  

Still learning,

Honey

Wednesday, July 25, 2012

More Cross-Selling Tips for Bankers

Prepare for Objections

When timing is good always find out what the customers objections, concerns or reservations are when you suggest a product or service.  Gentle probing will help you and your company in several ways:

When you know why the customer won’t buy you can share more information or clarify facts.

When customer’s resist or don’t perceive a product is valuable the company needs to be aware of how frequently that is happening.  It could be pricing or product features need to be adjusted.

Remember these tips when preparing for anticipated objections.

·         Don’t take "no" as an answer every time.  When it seems right, find out why a customer objects to a product or service.

Mrs. Lewis, tell me about your reservations.

·         Restate what they said and encourage more conversation

You just don’t feel comfortable paying bills online, tell me more about that.

·         Encourage the customer to share about their opinion, concerns or experience.

Tell me more about that.

·         Use the feel, felt, found formula:

I understand how you feel. Other customers have told me they felt that way. Let me share with you what they found out.


Put these tips to work for you as you develop the skills of effective cross-selling.  For more information on this topic, click here for free tools and articles in our web store.

Still learning,

Honey

Saturday, February 4, 2012

Performance Booster Series - Hear How to Improve Your Listening

When you focus only on yourself it creates all kinds of problems for you, especially when you are attempting to communicate with another person or them with you.  Many of us are busy thinking about what we want to say or have other issues on our mind that distract us.  

You might even be guilty of asking a question and not paying any attention to the other person's answer.  My children have accused me of that. At times, I have had to plead the Fifth Amendment on those charges; a few times I courageously owned up to it and sometimes I got defensive.  When you get caught red-handed on not listening it's embarrassing!

Learning to be "present" and becoming an attentive listener will change the quality of your communication skills and the success of your interpersonal relationships.  A skill worth developing, listening will boost your performance on the job and increase harmony at home!

Think about the last time you noticed someone obviously not paying attention when you were trying to communicate with them. What specific behaviors did the person exhibit that led you to believe that he or she was tuning you out?  What did you read into that?  Did you feel discounted or ignored?

Often when we think the listener isn't paying attention we choose to frustrate or become offended.  Next time you get tuned out and turned off by being ignored, consider it a wake-up call and take note to pay attention and respect when it’s your turn to listen.  Keep the focus on your listening skills; learn from others’ behaviors that you want to mirror and those you want to avoid.

If you want to discover more about listening behavior email me, honey@interaction-training.com  and request a complimentary copy of The Listening Self-Assessment.  It’s yours for the asking.

Still learning,


Honey

Tuesday, January 31, 2012

Performance Booster Series - Communication Skills

Do people say you're talkative or do they say you're quiet?  Do you frequently feel misunderstood or ignored?  Are you routinely trying to get over your feelings being hurt? Do you get triggered when people give you feedback and end up acting defensive?

Take a long hard look at your style of communication and become acutely aware of what you could improve upon.  Is it your speaking ability, your reputation as a listener?  What about soliciting and providing feedback?  Do a double take on your tone of voice and your body language. 

Do you need to be more sensitive to others and reduce your bluntness or frankness?  Do you need to be less sensitive and not take everything so personal?  Self-evaluation is the place to start when it comes to elevating your ability to communicate. For all of us it’s very easy to take communicating for granted since we do it all the time.  

Remember whether you are sending a text, talking, emailing, nodding, frowning or rolling your eyes a message has been sent.  Be sure it’s the one you wanted to send. 

Are you aware that research makes these claims?

75% of all communication is non-verbal.

Writing only represents nine percent of the time we spend communicating.

The average worker spends 55% of his or her time communicating.

Check this out - a whopping 85% of business success is dependent on effective communication and interpersonal skills.

It is most common to focus entirely on what you want to relay to the point you are a slacker when it comes to listening.  Have you acquired that invaluable habit of confirming that others understood your message? Become a communication standout and hone in on confirmation you were understood by the listener or the reader.  Beef up your clear understanding of what others tell you by restating what they told you.  

There are times the tone you intended to convey whether in writing or even speaking was neutral while the receiver may interpret it entirely differently.   Solicit two-way confirmation and be on the lookout for how you can improve as a skillful communicator. Evaluate your gestures, eye contact, tone of voice and body language to be certain you are in sync with your message.  Learn to give others to whom you are listening your full attention, if you aren't sure what they meant or said ask for more information.  If you don’t have time to listen, ask if you could suggest a different time for the conversation.  Pay attention to how long you talk and give the other party floor time.

Powerful communication skills are a must for people that want to excel in relationships and climb the ladder of success. 

Still learning, 

Honey


Monday, January 30, 2012

Performance Booster Series - Garner Support at Every Level

Garner means to build and store; to succeed at being an exceptional supervisor you will need to build and store support at every level professionally.

Team
Successful supervisors create an atmosphere where team members can fully use their skills, knowledge and creativity to work toward the goals of the department and the company. You will want to encourage the team as well as organize the ongoing work, provide direction and articulate the goals.

Your responsibility will be to use the strengths of each team member and challenge them to build a plan and execute it.  Help them to see the value of what they do and how that value relates to the success of the team.

Peers
Work at building lines of communication and support with fellow managers will be keys to your success.  Give what you want to get.  An exceptional supervisor learns to listen to others and also considers opposing points of view.  Manage your confidence and sense of respect with your peers.  It’s no secret you won’t like everyone you work with but practice caution spewing your opinions and showing your distain for others, especially your peers. Watch out for sharing your negative thoughts and feelings about others at work with anyone you work with.  It’s a practice that will bite you back. 

Management
Make your manager look good; feel pride that you are on his or her team.  Always look and act professional.  Self evaluate where you are with accomplishing the look and actions of a pro.  Use a mirror to check the outside and an internal exam of your thinking and behaving.  Don’t be known for making excuses and being a chronic complainer.  Keep your manager well-informed.

Act the way you want others to treat you, give support to others and you can count on the boomerang theory coming true for you.  You get what you give.


Still learning,


Honey

Tuesday, October 18, 2011

Coaching - Mary, Mary Quite Contrary

Conclusion...

Mary finally did what you asked and you engage her in the following conversation.

The Coach        “Mary, let’s go over this together.”

Here’s her list

Behaviors required of my job                         How well I do them (scale of 1 – 5)

Friendly                                                                       4                                                         
Team player                                                                 4
Dependable                                                                  5
Professional                                                                 5

Skills required of my job                                   How well I do them

Know the job                                                                5
Accuracy                                                                     5
Computer-related skills                                                 4
Problem-Solving                                                           4

The Coach        “Mary, I know you were resistant to working on this with me and I am glad you finished the assignment.  Where we started from was - I had asked you how well thought of you wanted to be working here.  You said 4.5 on the 1-5 scale.  This assignment was intended to help you get your 4.5.  Would it surprise you if I told you that every score you gave yourself needs to be lowered by one point and that I would say you are off by at least a point of getting what you want.  So if you want to obtain a 4.5 you will have to raise the bar on your effort and remove the cloud that interferes with both your behaviors and your skills.”

Mary     “What makes you say that?”

The Coach        “Each of the behaviors and skills are compromised by your persistent mood-related behaviors like angering, snubbing your co-workers and choosing to be blunt, resistant and unkind.  Do you think you are willing to stop choosing behavior that has a negative impact on your success?  If you are I can help.  The first step will be for you to build a plan that helps ensure you stop doing what isn’t working and start doing what is in your best interest,” 

Remember to stay focused on your goal.  Your goal is to have Mary take responsibility for behavior that is out of line and harming teamwork and her professional reputation.  Watch out for getting hooked or giving up or buying into myths that you tell someone something one time and that is all it takes.

Coaching isn’t magic.  Mary is a hard case.  Remember to focus on what YOU WANT and teach others to do the same. That is motivation, reaching for what you want.  Help others reach, help them see if what they are doing is working.  The teacher will become the student and Mary just might be less contrary.


Still learning,

Honey