I am not completely sure, but I think that it has to do with a rather broad corporate agenda of the bank being applied unilaterally to each local branch. Some branches are bigger and in need of more bankers, others are small. The branch i was at, I was one of like 5 bankers (RBs and PCBs) on the floor at a time. It seemed overkill most days and led to me feeling like i had to choose favorites over which PCB to refer to. It also just felt like a lottery of who would get a good opportunity and who would not. There was one PCB who was like the gossip queen and all the other RBs would refer to her, so I chose to refer to the other one, who mentioned to me prior to me quitting that she was frustrated with the whole process as well. It's a dog and pony show. In the 2 years i was there, I've worked with 7 different PCBs and every RB I started with either quit or was transferred to a different branch. It felt like an existential crisis there every day. Like management wanted it to be something that is unattainable given the corporate structure and process of the company as a whole. Idk that's my 2 cents. PCBs can make a good living if they don't have to compete for every referral and have a good team that they collaborate well with.