Relationship banker vs personal banking representative

The differences between relationship 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 relationship banker, becoming a personal banking representative takes usually requires 6-12 months. Additionally, a relationship banker has an average salary of $37,091, which is higher than the $33,833 average annual salary of a personal banking representative.

The top three skills for a relationship banker include excellent interpersonal, financial services and work ethic. The most important skills for a personal banking representative are bank products, profiling, and customer inquiries.

Relationship banker vs personal banking representative overview

	Relationship Banker	Personal Banking Representative
Yearly salary	$37,091	$33,833
Hourly rate	$17.83	$16.27
Growth rate	10%	-3%
Number of jobs	34,587	41,795
Job satisfaction	-	5
Most common degree	Bachelor's Degree, 64%	Bachelor's Degree, 62%
Average age	43	41
Years of experience	4	12

What does a relationship banker do?

A relationship banker is responsible for providing financial advice by applying financial disciplines in the banking industry. Relationship bankers process financial transactions on their clients' bank accounts, generate account statements, and reiterate bank policies to support clients' financial goals and objectives. They also research the current financial industry, identify new bank services opportunities to gain more clients, and increase profits for the business. A relationship banker must have excellent communication and customer service skills, responding to the clients' inquiries and concerns regarding their bank accounts, and resolving complaints timely and efficiently.

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.

Relationship banker vs personal banking representative salary

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

	Relationship Banker	Personal Banking Representative
Average salary	$37,091	$33,833
Salary range	Between $28,000 And $48,000	Between $26,000 And $42,000
Highest paying City	New York, NY	-
Highest paying state	New York	-
Best paying company	Santander Bank	-
Best paying industry	Finance	-

Differences between relationship banker and personal banking representative education

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

	Relationship Banker	Personal Banking Representative
Most common degree	Bachelor's Degree, 64%	Bachelor's Degree, 62%
Most common major	Business	Business
Most common college	University of Pennsylvania	-

Relationship banker vs personal banking representative demographics

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

	Relationship Banker	Personal Banking Representative
Average age	43	41
Gender ratio	Male, 46.6% Female, 53.4%	Male, 33.4% Female, 66.6%
Race ratio	Black or African American, 5.4% Unknown, 4.1% Hispanic or Latino, 11.3% Asian, 12.2% White, 66.7% 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 relationship banker and personal banking representative duties and responsibilities

Relationship banker example responsibilities.

Attain NMLS number and Texas notary.
Perform teller duties, process daily reports, meet and exceed sales referral goals, manage ATM balancing and maintenance.
Manage a comprehensive portfolio of diversify securities and real estate holdings.
Cultivate new relationships through outside sales calls, effective profiling and telephone solicitation of company provide leads.
Register with the NMLS and keep skills, knowledge, and accreditations up-to-date.
Inform customers of procedures for applying for services such as ATM cards, direct deposit, and certificates of deposit.

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.

Relationship banker vs personal banking representative skills

Common relationship banker skills

Excellent Interpersonal, 10%
Financial Services, 9%
Work Ethic, 8%
Cash Handling, 7%
Taking Care, 6%
Product Knowledge, 5%

Common personal banking representative skills

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

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Relationship Banker
Relationship Banker vs Personal Banking Representative

Updated January 8, 2025

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