Certificate IV in Credit Management

About this Qualification

The Credit Management specialist qualification caters for those involved in the approval process
for credit and also those involved in the collections processes.
The qualification offers two “streams” that allow specialisation in either loan approvals or
collections.
The Certificate IV in Financial Services (Credit Management) qualification enables financial
services organisations and businesses to up-skill staff in these key areas.

Course Suitability

The job roles that may suit this course include:

Collections Officers

Credit Officers

Loans Officers

Credit Department Team Leaders

Note that the Certificate III Mercantile Agents qualification is the more suitable qualification for
those employed as Mercantile / CommercialAgents. It is possible to include the Mercantile
Agents components into the Credit management qualification where needed.

Enrolment Options

This qualification is available in most states as a government funded Traineeship enrolment*
*Subject to eligibility in your state.
The qualification is also available for individual students to enrol on a private basis.
Employers can also directly enrol staff where Traineeship enrolment is not suitable.

Course Duration

The qualification is timetabled to be completed in one year over a 36 week period, with students
required to mail assignments to the College at regular intervals.
Regular study of approximately 3 hours per week, in conjunction with on-the-job practice of
the skills covered in the course would normally be required to successfully complete this
qualification.
The timetable can be extended to a longer period subject to maximum timeframes set in
each State for Traineeship enrolments (generally 12 months but 24 months in some States).
Students can complete as early as they like – as they study at their own pace.
Enrol at any time as the College has continuous courses all year round.

Course Benefits

The qualification offers:

Cost effective ways for employers to up-skill staff

Access to Traineeship Incentives

Flexible method of delivery that suits busy office environments

Structured, high quality training

Wide range of subjects that allow tailoring to individual business and employee needs

College Trainers and Materials

Each student will have a dedicated College Training Manager to provide immediate
assistance and support.
The College Trainers all have “real life” experience in the areas that they train in, and so
have the expertise and skills to provide effective student and employer support.
The course materials are delivered in separate “modules” or workbooks. Each module
concentrates on a specific theme, and may cover a number of “units of competency” (these
are the “national standards” that apply to the qualification).
The College course material is easy to read and understand and is kept up to date with current
business practices and relevant legislation.
Students are issued a Course Folder to keep their course material organised.

Course Delivery

Course can be delivered in a range of delivery modes based on the most suitable mode for the
circumstances:

Workbook / correspondence

On-line learning

Class room learning

In some situations the mode will be a mix of these options. Discuss these options with the
College.
Workbook modules are designed so that students can use small periods of time to
“study”. This makes the course achievable even in a busy office – with small periods of time
being able to be used effectively.

Entry Requirements

Average level literacy and English language communication skills are required for this
qualification.
This qualification is very focussed on credit management skills so it is essential that students
have access to a work environment where they can relate and apply these skills. Contact the
College to discuss alternatives if you don’t have access to a relevant work environment.

Course Subjects and Electives

The qualification includes the following core modules:

Use Technology in the Workplace

Compliance

Loan Approval Process

Advanced Securities

Collect Debts

Initiate Legal Recovery

Resolving Disputes

Professional Practices in Finance

Qualification & Career Pathway

This is a nationally accredited, formal qualification recognised as part of the Australian
Qualifications Framework.
After completion of this qualification students have a range of opportunities to continue their
studies at Diploma level including:

Diploma of Financial Services

Diploma of Management

Careers paths include opportunities as:

Credit Officer

Collection Officer

Credit Department Supervisors

Team Leaders

Collections Managers

Loan Approval Managers