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Business banker vs business relationship manager

The differences between business bankers and business relationship managers can be seen in a few details. Each job has different responsibilities and duties. While it typically takes 2-4 years to become a business banker, becoming a business relationship manager takes usually requires 6-8 years. Additionally, a business relationship manager has an average salary of $87,741, which is higher than the $69,423 average annual salary of a business banker.

The top three skills for a business banker include customer service, financial products and financial services. The most important skills for a business relationship manager are customer service, relationship management, and cash management.

Business banker vs business relationship manager overview

Business BankerBusiness Relationship Manager
Yearly salary$69,423$87,741
Hourly rate$33.38$42.18
Growth rate10%17%
Number of jobs70,054114,003
Job satisfaction--
Most common degreeBachelor's Degree, 66%Bachelor's Degree, 75%
Average age4346
Years of experience48

What does a business banker do?

A business banker is an individual who collaborates with other bank coworkers to help business customers meet their specific banking needs. Business bankers must sell a variety of banking products and services such as business deposit accounts, treasury management, and business credit cards. They are required to maintain consistent communication with their clients through outbound calls and personal onsite visits. Business bankers must also devise and modify loan schemes depending on the market requirements as well as study the schemes offered by competitors.

What does a business relationship manager do?

A business relationship manager is primarily responsible for improving the relationship between customers and businesses. Typically, it is their responsibility to develop strategies and business plans to strengthen client relationships, address issues and concerns, and perform corrective measures when necessary. There are instances when they have to reach out to clients through calls and correspondence, perform follow-up contacts to offer new services and opportunities, and provide industry advice or consultation. Furthermore, as a manager, it is essential to lead and encourage staff in the joint effort to reach target sales and improve client base.

Business banker vs business relationship manager salary

Business bankers and business relationship managers have different pay scales, as shown below.

Business BankerBusiness Relationship Manager
Average salary$69,423$87,741
Salary rangeBetween $39,000 And $121,000Between $61,000 And $125,000
Highest paying City-San Francisco, CA
Highest paying state-New Jersey
Best paying company-AstraZeneca
Best paying industry-Technology

Differences between business banker and business relationship manager education

There are a few differences between a business banker and a business relationship manager in terms of educational background:

Business BankerBusiness Relationship Manager
Most common degreeBachelor's Degree, 66%Bachelor's Degree, 75%
Most common majorBusinessBusiness
Most common collegeUniversity of PennsylvaniaUniversity of Pennsylvania

Business banker vs business relationship manager demographics

Here are the differences between business bankers' and business relationship managers' demographics:

Business BankerBusiness Relationship Manager
Average age4346
Gender ratioMale, 63.3% Female, 36.7%Male, 64.6% Female, 35.4%
Race ratioBlack or African American, 5.4% Unknown, 4.1% Hispanic or Latino, 11.1% Asian, 12.1% White, 67.1% American Indian and Alaska Native, 0.2%Black or African American, 7.4% Unknown, 4.1% Hispanic or Latino, 14.2% Asian, 10.0% White, 63.9% American Indian and Alaska Native, 0.3%
LGBT Percentage6%11%

Differences between business banker and business relationship manager duties and responsibilities

Business banker example responsibilities.

  • Facilitate the origination process; manage re-looks with corporate small business lending group.
  • Manage a portfolio in various stages of workout including liquidation, refinancing, restructure, rehabilitation, bankruptcy and litigation.
  • Develop relationships with high-value commercial clients by prospecting and cross-selling banking product portfolio.
  • Collaborate regularly with business partners to ensure optimal productivity and identify cross-selling opportunities for stock/mutual funds and life insurances.
  • Develop business relationships and provide financial advisory skills for business owners seeking depository accounts, notary services and lines of credit.
  • Analyze collateral, such as property, securities and business assets to ensure sufficient loan coverage.
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Business relationship manager example responsibilities.

  • Manage cross-selling and foster customer loyalty by ensuring value to these services.
  • Originate and structure commercial loans and manage credit risk both before and after loan origination.
  • Prepare and manage annual budget, perform financial reporting, complete tax returns, and manage personnel and payroll functions.
  • Manage a portfolio in various stages of workout including liquidation, refinancing, restructure, rehabilitation, bankruptcy and litigation.
  • Complete extensive executive training in business banking, with focus on commercial loan origination, deposits and treasury services.
  • Negotiate and procure supplies to maximize return on investment through use of RFP process.
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Business banker vs business relationship manager skills

Common business banker skills
  • Customer Service, 7%
  • Financial Products, 7%
  • Financial Services, 7%
  • Financial Statements, 6%
  • Business Development, 5%
  • Cash Flow Analysis, 5%
Common business relationship manager skills
  • Customer Service, 10%
  • Relationship Management, 7%
  • Cash Management, 6%
  • Risk Management, 6%
  • Business Development, 6%
  • Customer Relationships, 5%