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A penalty may or may not apply, depending on the race and classes the character has.
If you have a character with two classes, and one of them is the favored class, there won't be a penalty. The favored class is never considered.
If neither class is favored, and the classes are more than one level apart, say 5/3, then an experience penalty is in effect until the levels are closer (in this case, 5/4).
The manual lists the favored class for all races. Pure humans and half-elves come out best. They have no particular favored class. Whichever class is highest is considered favored. So you could have a human with 8/1, any mix of professions, and it wouldn't matter; there's no penalty.
For a single class character, there is never a penalty, no matter what the class.
Nightowl2
P.S. If you had that paladin/cleric, there would be separate spellbooks for each class. It works that way for a sorcerer/wizard mix, too.
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