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Personal banker vs investment advisor

The differences between personal bankers and investment advisors can be seen in a few details. Each job has different responsibilities and duties. It typically takes 2-4 years to become both a personal banker and an investment advisor. Additionally, an investment advisor has an average salary of $105,377, which is higher than the $37,639 average annual salary of a personal banker.

The top three skills for a personal banker include customer relationships, cross-sell and customer satisfaction. The most important skills for an investment advisor are exceptional client, risk management, and client relationships.

Personal banker vs investment advisor overview

Personal BankerInvestment Advisor
Yearly salary$37,639$105,377
Hourly rate$18.10$50.66
Growth rate10%15%
Number of jobs36,60363,438
Job satisfaction3-
Most common degreeBachelor's Degree, 59%Bachelor's Degree, 76%
Average age4345
Years of experience44

What does a personal banker do?

A personal banker is responsible for managing the customers' financial records and assisting them in various banking transactions. Personal bankers' duties also include handling customers' inquiries for financial plans, understanding the banking and financial industry principles, processing applications, verifying account details, and offering bank products based on the customers' needs. A personal banker must have excellent customer service and communication skills, providing the best options for the customers, and helping them achieve their financial goals.

What does an investment advisor do?

An investment advisor is responsible for managing the clients' financial portfolios, advising them of investment options according to their financial goals and objectives, and their ability to handle risks. Investment advisors should have excellent knowledge of the investment policies, providing the clients with the best financial strategies according to their interests. They also determine their expenses, income, and credit scores to identify a comprehensive financial plan. An investment advisor helps the clients with cash management techniques, as well as conducting data analysis on financial market projections.

Personal banker vs investment advisor salary

Personal bankers and investment advisors have different pay scales, as shown below.

Personal BankerInvestment Advisor
Average salary$37,639$105,377
Salary rangeBetween $29,000 And $48,000Between $60,000 And $184,000
Highest paying CityNew York, NYNew York, NY
Highest paying stateNew YorkNew York
Best paying companyNorthern TrustMcKinsey & Company Inc
Best paying industryFinanceTelecommunication

Differences between personal banker and investment advisor education

There are a few differences between a personal banker and an investment advisor in terms of educational background:

Personal BankerInvestment Advisor
Most common degreeBachelor's Degree, 59%Bachelor's Degree, 76%
Most common majorBusinessBusiness
Most common collegeUniversity of PennsylvaniaUniversity of Minnesota - Twin Cities

Personal banker vs investment advisor demographics

Here are the differences between personal bankers' and investment advisors' demographics:

Personal BankerInvestment Advisor
Average age4345
Gender ratioMale, 44.6% Female, 55.4%Male, 72.3% Female, 27.7%
Race ratioBlack or African American, 5.4% Unknown, 4.1% Hispanic or Latino, 11.2% Asian, 12.2% White, 66.8% American Indian and Alaska Native, 0.2%Black or African American, 5.6% Unknown, 4.4% Hispanic or Latino, 9.4% Asian, 8.2% White, 72.3% American Indian and Alaska Native, 0.1%
LGBT Percentage6%5%

Differences between personal banker and investment advisor duties and responsibilities

Personal banker example responsibilities.

  • Manage customer s portfolio while identifying cross-sell opportunities to increase acquisition of customer s financial and credit services.
  • Work one-on-one with clients to gather requirements and identify cross-selling opportunities and leverage customer leads and referrals to identify new prospects.
  • Certify as a public notary and international wire transfers.
  • Process consumer loan applications following approve guidelines, NMLS certify.
  • Identify and maximize new account sales and cross-sell opportunities, utilizing customer profiling to develop book of business.
  • Identify cross-sell opportunities, including opportunities to refer customers to other sales representatives through proper customer profiling and needs-base selling.
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Investment advisor example responsibilities.

  • Manage and strengthen customer relationships through cross-selling and up-selling to maximize retention and income generation by contacting existing and prospective customers.
  • Obtain skills with different financial programs and tools such as Morningstar and NetX360.
  • Advise and recommend insurance products including, fix and variable annuities, and term life.
  • Focus on macroeconomic fundamentals, high yield, distress debt, volatility and macro base cross-asset statistical strategies.
  • Communicate information to clients on various products offer such as equity funds, bond funds, annuities, and money markets.
  • Identify client- specific and regulatory reporting requirements, review purchase and redemption activity, securities settlements, and cash movements.
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Personal banker vs investment advisor skills

Common personal banker skills
  • Customer Relationships, 10%
  • Cross-Sell, 6%
  • Customer Satisfaction, 5%
  • NMLS, 5%
  • Bank Products, 5%
  • Financial Services, 5%
Common investment advisor skills
  • Exceptional Client, 12%
  • Risk Management, 10%
  • Client Relationships, 9%
  • Health Insurance, 8%
  • Business Development, 7%
  • FINRA, 5%