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Consumer banker vs banking associate

The differences between consumer bankers and banking associates can be seen in a few details. Each job has different responsibilities and duties. Additionally, a banking associate has an average salary of $81,890, which is higher than the $39,462 average annual salary of a consumer banker.

The top three skills for a consumer banker include financial services, securities and cash management. The most important skills for a banking associate are excellent interpersonal, strong customer service, and financial transactions.

Consumer banker vs banking associate overview

Consumer BankerBanking Associate
Yearly salary$39,462$81,890
Hourly rate$18.97$39.37
Growth rate10%-12%
Number of jobs24,71618,919
Job satisfaction--
Most common degreeBachelor's Degree, 59%Bachelor's Degree, 63%
Average age4339
Years of experience4-

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 banking associate do?

A banking associate's role is to build positive relationships with clients by performing support tasks. Their responsibilities revolve around greeting clients, processing requests and documentation, gathering and verifying requirements, responding to inquiries and concerns, and offering other services and products to clients. They may also produce progress reports, financial statements, coordinate with team members, and liaise with external agencies. Furthermore, as a banking associate, it is essential to handle issues and complaints, all while adhering to the bank's policies and regulations.

Consumer banker vs banking associate salary

Consumer bankers and banking associates have different pay scales, as shown below.

Consumer BankerBanking Associate
Average salary$39,462$81,890
Salary rangeBetween $27,000 And $56,000Between $47,000 And $141,000
Highest paying City-White Plains, NY
Highest paying state-New York
Best paying company-Citi
Best paying industry-Finance

Differences between consumer banker and banking associate education

There are a few differences between a consumer banker and a banking associate in terms of educational background:

Consumer BankerBanking Associate
Most common degreeBachelor's Degree, 59%Bachelor's Degree, 63%
Most common majorBusinessBusiness
Most common collegeUniversity of Pennsylvania-

Consumer banker vs banking associate demographics

Here are the differences between consumer bankers' and banking associates' demographics:

Consumer BankerBanking Associate
Average age4339
Gender ratioMale, 42.9% Female, 57.1%Male, 41.8% Female, 58.2%
Race ratioBlack 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, 10.1% Unknown, 3.5% Hispanic or Latino, 17.8% Asian, 7.4% White, 60.7% American Indian and Alaska Native, 0.6%
LGBT Percentage6%7%

Differences between consumer banker and banking associate 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.
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Banking associate example responsibilities.

  • Develop and maintain relationships with business partners to increase cross-sell opportunities and achieve sales goals.
  • Develop working relationships with clients by providing exceptional customer service while utilizing a focuse cross-sell strategy.
  • Follow up with customers regarding KYC and other account relate updates.
  • Analyze each movement in full detail while meeting all SLA's.
  • Prepare UCC's for filing at the county and state level.
  • Monitor multiple cases while keeping track of SLA's and B2B communications.
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Consumer banker vs banking associate skills

Common consumer banker skills
  • Financial Services, 22%
  • Securities, 11%
  • Cash Management, 9%
  • Excellent Interpersonal, 7%
  • Bank Products, 5%
  • Product Knowledge, 4%
Common banking associate skills
  • Excellent Interpersonal, 41%
  • Strong Customer Service, 29%
  • Financial Transactions, 15%
  • Financial Services, 1%
  • PowerPoint, 1%
  • Financial Solutions, 1%