Consumer banker vs bank representative

The differences between consumer bankers and bank representatives can be seen in a few details. Each job has different responsibilities and duties. Additionally, a consumer banker has an average salary of $39,462, which is higher than the $34,417 average annual salary of a bank representative.

The top three skills for a consumer banker include financial services, securities and cash management. The most important skills for a bank representative are bank products, customer service, and bank policies.

Consumer banker vs bank representative overview

	Consumer Banker	Bank Representative
Yearly salary	$39,462	$34,417
Hourly rate	$18.97	$16.55
Growth rate	10%	-12%
Number of jobs	24,716	105,192
Job satisfaction	-	-
Most common degree	Bachelor's Degree, 59%	Bachelor's Degree, 53%
Average age	43	39
Years of experience	4	-

What does a consumer banker do?

A consumer banker is responsible for providing efficient banking services, aiming for smooth operations and client satisfaction. Although the extent of their responsibilities depends on their company or place of employment, it typically revolves around assisting clients with different banking procedures, answering inquiries, processing requests such as withdrawals and deposits, opening and closing accounts, maintaining records, and performing data entry tasks. Moreover, a consumer banker typically works in a team environment, which requires an active communication line for an efficient workflow.

What does a bank representative do?

A bank representative works to assist clients, aiming to provide optimal banking services and build positive client relationships. Their duties include greeting and identifying the clients' needs, answering inquiries, giving clear instructions, and discussing banking terms. They also process client requests such as withdrawals, deposits, payments, and even handling applications. Moreover, a bank representative may also conduct market research and analyses, generate leads, and reach out to potential clients through calls and correspondence to offer products and services.

Consumer banker vs bank representative salary

Consumer bankers and bank representatives have different pay scales, as shown below.

	Consumer Banker	Bank Representative
Average salary	$39,462	$34,417
Salary range	Between $27,000 And $56,000	Between $28,000 And $41,000
Highest paying City	-	Albany, NY
Highest paying state	-	New York
Best paying company	-	Advancial Federal Credit Union
Best paying industry	-	Finance

Differences between consumer banker and bank representative education

There are a few differences between a consumer banker and a bank representative in terms of educational background:

	Consumer Banker	Bank Representative
Most common degree	Bachelor's Degree, 59%	Bachelor's Degree, 53%
Most common major	Business	Business
Most common college	University of Pennsylvania	-

Consumer banker vs bank representative demographics

Here are the differences between consumer bankers' and bank representatives' demographics:

	Consumer Banker	Bank Representative
Average age	43	39
Gender ratio	Male, 42.9% Female, 57.1%	Male, 34.1% Female, 65.9%
Race ratio	Black or African American, 5.6% Unknown, 4.1% Hispanic or Latino, 11.8% Asian, 10.7% White, 67.5% American Indian and Alaska Native, 0.2%	Black or African American, 9.2% Unknown, 3.4% Hispanic or Latino, 22.4% Asian, 7.3% White, 57.1% American Indian and Alaska Native, 0.6%
LGBT Percentage	6%	7%

Differences between consumer banker and bank representative duties and responsibilities

Consumer banker example responsibilities.

Work one-on-one with clients to gather requirements and identify cross-selling opportunities and leverage customer leads and referrals to identify new prospects.
Handle vault, safe-deposit, ATM and night-drop activities.
Facilitate monthly auditing by conducting cash counts for vault and ATM.
Develop new business opportunities, send securities and mortgage referrals to other departments.
Perform customer profiling to determine future sales opportunities and identify profitable retail prospects for the investments departments.
Develop customer base through cross-selling products and servicing existing clients, develop new business through interaction with internal and external resources.

Bank representative example responsibilities.

Used CRM software for KYC purposes, managing and analyzing customer data throughout life cycle.
Open new accounts for existing and/or new clients, including money market savings, CDs, and IRA accounts.
Complete maintenance request including address changes, check orders, stop payments, warnings, account closings and ATM card captures.
Originate and sign internal debit and credit documents.
Complete customer account paperwork for loans, fraudulent activity, unauthorize activity and weekly ATM balancing reports.
Advise patients of insurance/hospital information, prepare admission forms and enter patient data into the patient data accounting system.

Consumer banker vs bank representative skills

Common consumer banker skills

Financial Services, 22%
Securities, 11%
Cash Management, 9%
Excellent Interpersonal, 7%
Bank Products, 5%
Product Knowledge, 4%

Common bank representative skills

Bank Products, 12%
Customer Service, 11%
Bank Policies, 9%
Cross-Sell, 6%
Excellent Interpersonal, 5%
Cash Handling, 5%

Consumer Banker vs. similar jobs

Consumer Banker related careers

Consumer Banker related jobs

What similar roles do

Zippia Careers
Sales Industry
Consumer Banker
Consumer Banker vs Bank Representative

Updated January 8, 2025

Browse sales jobs