Consumer banker vs personal banking representative

The differences between consumer bankers and personal banking representatives 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 representative takes usually requires 6-12 months. Additionally, a consumer banker has an average salary of $39,462, which is higher than the $33,833 average annual salary of a personal banking representative.

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

Consumer banker vs personal banking representative overview

	Consumer Banker	Personal Banking Representative
Yearly salary	$39,462	$33,833
Hourly rate	$18.97	$16.27
Growth rate	10%	-3%
Number of jobs	24,716	41,795
Job satisfaction	-	5
Most common degree	Bachelor's Degree, 59%	Bachelor's Degree, 62%
Average age	43	41
Years of experience	4	12

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 personal banking representative do?

Personal banking representatives typically earn $39K per year. This position requires a high school diploma or GED at a minimum, but employers prefer a bachelor's degree in finance, business, or a related field. They may also ask for experience in customer service, cash-handling, or banking. Personal banking representatives are required to provide bank client support, assist with account management, process checks, and find products and services that will be the best fit for their clients.

Consumer banker vs personal banking representative salary

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

	Consumer Banker	Personal Banking Representative
Average salary	$39,462	$33,833
Salary range	Between $27,000 And $56,000	Between $26,000 And $42,000
Highest paying City	-	-
Highest paying state	-	-
Best paying company	-	-
Best paying industry	-	-

Differences between consumer banker and personal banking representative education

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

	Consumer Banker	Personal Banking Representative
Most common degree	Bachelor's Degree, 59%	Bachelor's Degree, 62%
Most common major	Business	Business
Most common college	University of Pennsylvania	-

Consumer banker vs personal banking representative demographics

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

	Consumer Banker	Personal Banking Representative
Average age	43	41
Gender ratio	Male, 42.9% Female, 57.1%	Male, 33.4% Female, 66.6%
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, 9.7% Unknown, 2.9% Hispanic or Latino, 22.5% Asian, 9.2% White, 54.9% American Indian and Alaska Native, 0.8%
LGBT Percentage	6%	11%

Differences between consumer banker and personal banking 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.

Personal banking representative example responsibilities.

Develop and maintain relationships with business partners to increase cross-sell opportunities and achieve sales goals.
Open new bank accounts, order debit and ATM cards for new and existing customers.
Coach associates in cross-selling of products, create work schedules and implement procedures to reduce expenses.
Inform customers of procedures for applying for services such as ATM cards, direct deposit of checks, and certificates of deposit
Maintain customer relationships while continually assessing cross-selling opportunities.
Advise patients of insurance/hospital information, prepare admission forms and enter patient data into the patient data accounting system.

Consumer banker vs personal banking representative 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 representative skills

Bank Products, 18%
Profiling, 14%
Customer Inquiries, 11%
Financial Products, 9%
Financial Services, 9%
Customer Issues, 7%

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 Personal Banking Representative

Updated January 8, 2025

Browse sales jobs