Employment in the commercial banking and mortgage sector has been affected in recent years by several ongoing trends, including consumer reliance on electronic services, increased competition from non-traditional lenders, longer hours of service, and a greater number of branch locations in grocery stores and malls. This has meant an increased demand for some types of banking jobs and a reduced need for others. Employment prospects are favorable for tellers and customer service positions; these bank jobs traditionally have required only a high school education, but further training can lead to advancement. A bachelor’s degree in finance or economics is standard for management positions and financial analysts or advisors. Interest on loans is the primary revenue source for banks, so loan officer jobs offer excellent career prospects for qualified applicants. As for mortgage jobs, regulatory changes and layoffs made in the wake of the subprime mortgage debacle will make the employment search difficult for the foreseeable future. Conversely, competition for an investment banking job is fierce even in the best of times.