Benefits of Working in Commercial Banking Instead of Investment Banking

Benefits of Working in Commercial Banking Instead of Investment Banking

The idea of working with large investment banking companies may seem like the ideal deal, however, the world of small and medium-sized commercial banking has its own perks.

One of the reasons why professionals in the banking sector prefer commercial banking over investment banking is because of the flexible working hours in the commercial banking sector. While the investment banking sector may pay higher salaries, it thrives on cutthroat competition and employees must put in long hours of work every week.

The benefits of working in commercial banking vs investment banking comes down to a number of key factors such as industry salary, benefits, work-life balance, career path, and company culture. Let us explore these in detail.


According to the Bureau of Labor Statistics, the average annual salary of a credit analyst is $ 88,030. Depending on your role, additional compensation in commercial banking can range from $55,000 to $100,000+. As a fresh graduate, you can expect a salary of $60,000+ with a $5-10k bonus. As you progress two to three years in your role, you can expect a $70-95k base and 10-40% bonus.


Most banks offer medical, dental, and vision benefits. As part of your package, you may also receive disability and life insurance. Time off can include PTO, sick leaves, and personal time off.

3.Work-life Balance

Employees working in investment banking typically work 80-110 hours per week. On the other hand, commercial banking employees typically work 40-50 hour work weeks, starting at 8am and ending around 6pm.

4.Career Path

In the commercial banking sector, you have many opportunities to learn and grow your career. You can pursue certifications such as Certified Public Accountant (CPA), Commercial Banking & Credit Analyst (CBCA), and Mortgage Loan Originator (MLO). Certifications not only increase your chances of getting hired but assist you in getting promotions.

Top career paths in the commercial banking industry include credit analyst, loan officer, general manager, branch manager, and business development manager.

5.Company Culture

In investment banking, the competition is so high that people don’t have time to sit down for chit-chat or help one another. On the other hand, in the commercial banking sector, colleagues are willing to offer you guidance on various matters. Even senior-level staff members try to take time for one-on-one sessions with junior staff.

Are you just starting out in the commercial banking industry or are you planning to switch roles? Top-level search groups can help you find the company that’s the right match for you.

Benefits of Working in Commercial Banking Instead of Investment Banking