Consumer banker vs personal banking officer

The differences between consumer bankers and personal banking officers can be seen in a few details. Each job has different responsibilities and duties. While it typically takes 2-4 years to become a consumer banker, becoming a personal banking officer takes usually requires 4-6 years. Additionally, a personal banking officer has an average salary of $40,925, 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 personal banking officer are bank products, loan applications, and cross-sell.

Consumer banker vs personal banking officer overview

	Consumer Banker	Personal Banking Officer
Yearly salary	$39,462	$40,925
Hourly rate	$18.97	$19.68
Growth rate	10%	4%
Number of jobs	24,716	76,804
Job satisfaction	-	-
Most common degree	Bachelor's Degree, 59%	Bachelor's Degree, 67%
Average age	43	45
Years of experience	4	6

Consumer banker vs personal banking officer salary

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

	Consumer Banker	Personal Banking Officer
Average salary	$39,462	$40,925
Salary range	Between $27,000 And $56,000	Between $24,000 And $67,000
Highest paying City	-	-
Highest paying state	-	-
Best paying company	-	-
Best paying industry	-	-

Differences between consumer banker and personal banking officer education

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

	Consumer Banker	Personal Banking Officer
Most common degree	Bachelor's Degree, 59%	Bachelor's Degree, 67%
Most common major	Business	Business
Most common college	University of Pennsylvania	University of Pennsylvania

Consumer banker vs personal banking officer demographics

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

	Consumer Banker	Personal Banking Officer
Average age	43	45
Gender ratio	Male, 42.9% Female, 57.1%	Male, 46.5% Female, 53.5%
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, 9.1% Unknown, 4.6% Hispanic or Latino, 15.7% Asian, 6.3% White, 63.9% American Indian and Alaska Native, 0.5%
LGBT Percentage	6%	8%

Differences between consumer banker and personal banking officer 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.

Personal banking officer 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.
Refer customers to bankers regarding any new accounts, investments, loans, reordering new checks and ATM cards.
Cultivate relations with company business partners to identify and maximize cross-sell opportunities.
Develop customer base through cross-selling products and servicing existing clients, develop new business through interaction with internal and external resources.
Advise clients on financial products and services using knowledge of tax and investment strategies, securities, insurance and pension plans.
Perform market analysis and research to identify target markets and partners.

Consumer banker vs personal banking officer skills

Common consumer banker skills

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

Common personal banking officer skills

Bank Products, 19%
Loan Applications, 16%
Cross-Sell, 9%
Financial Products, 4%
Financial Services, 4%
Customer Relationships, 4%

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Consumer Banker
Consumer Banker vs Personal Banking Officer

Updated January 8, 2025

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