Post job

Personal banking officer vs loan officer

The differences between personal banking officers and loan officers can be seen in a few details. Each job has different responsibilities and duties. It typically takes 4-6 years to become both a personal banking officer and a loan officer. Additionally, a loan officer has an average salary of $45,817, which is higher than the $40,925 average annual salary of a personal banking officer.

The top three skills for a personal banking officer include bank products, loan applications and cross-sell. The most important skills for a loan officer are customer service, origination, and loan origination.

Personal banking officer vs loan officer overview

Personal Banking OfficerLoan Officer
Yearly salary$40,925$45,817
Hourly rate$19.68$22.03
Growth rate4%4%
Number of jobs76,80463,663
Job satisfaction-4.5
Most common degreeBachelor's Degree, 67%Bachelor's Degree, 61%
Average age4545
Years of experience66

Personal banking officer vs loan officer salary

Personal banking officers and loan officers have different pay scales, as shown below.

Personal Banking OfficerLoan Officer
Average salary$40,925$45,817
Salary rangeBetween $24,000 And $67,000Between $30,000 And $69,000
Highest paying City-New York, NY
Highest paying state-New York
Best paying company-Bangor Savings Bank
Best paying industry-Finance

Differences between personal banking officer and loan officer education

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

Personal Banking OfficerLoan Officer
Most common degreeBachelor's Degree, 67%Bachelor's Degree, 61%
Most common majorBusinessBusiness
Most common collegeUniversity of PennsylvaniaUniversity of Pennsylvania

Personal banking officer vs loan officer demographics

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

Personal Banking OfficerLoan Officer
Average age4545
Gender ratioMale, 46.5% Female, 53.5%Male, 55.3% Female, 44.7%
Race ratioBlack 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%Black or African American, 9.0% Unknown, 4.6% Hispanic or Latino, 15.7% Asian, 6.3% White, 63.9% American Indian and Alaska Native, 0.5%
LGBT Percentage8%8%

Differences between personal banking officer and loan officer duties and responsibilities

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.

Loan officer example responsibilities.

  • Manage a multifacete commercial real estate investment firm.
  • Supervise and manage the processing staff and also underwrite conventional loans for correspondent lenders.
  • Follow up leads for refinance loans gather all applications and necessary paperwork to qualify applicants from origination to close of escrow.
  • Analyze available resources to determine suitable mortgage products (FHA, FNMA/FHLC) to meet clients' purchasing or refinancing goals.
  • Originate and process various loan products including government, conventional, portfolio, construction, USDA mortgages, home equity line/loans.
  • Originate FHA, VA, conventional, jumbo, and USDA loans, according to specific lender guidelines in broker environment.
  • Show more

Personal banking officer vs loan officer skills

Common personal banking officer skills
  • Bank Products, 19%
  • Loan Applications, 16%
  • Cross-Sell, 9%
  • Financial Products, 4%
  • Financial Services, 4%
  • Customer Relationships, 4%
Common loan officer skills
  • Customer Service, 17%
  • Origination, 13%
  • Loan Origination, 5%
  • FHA, 5%
  • NMLS, 5%
  • Loan Products, 4%

Browse business and financial jobs