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Certificate IV In Credit Management

Nationally Recognised Training

The Certificate IV in Credit Management (FNS40115, supersedes and is equivalent to FNS40111) is considered the 'minimum entry requirement' for those new to the credit management industry or transferring to a position where they are required to provide credit advice to retail clients.

In this ever-changing marketplace, employers are increasingly looking for candidates who are equipped to meet the challenges of being a successful credit representative, loan officer or broker and graduate at the leading edge of their field.

Focused on your Success

This Credit Management qualification is required by responsible managers and representatives who need to meet the initial requirements of Section 47(1)(f) of the National Consumer Credit Protection Act 2009 (National Credit Act) which places responsibility to gain and maintain the competence to provide the credit activities authorised by a credit license.

An engaging, innovative approach which meets the consumer credit education requirements of the corporate regulator.

We recognise that employers are increasingly looking for candidates who are aware of the challenges of being a successful credit representatives and responsible managers. Often a candidate’s Qualification is the only evidence that they possess the technical knowledge and skills requirements to conduct themselves professionally as an authorised representative.

With a Mentor Education qualification you have confidence in the fact that you will be equipped with the skills and knowledge gained from a credible industry-endorsed program that employs best practice assessment standards, helping you graduate at the leading edge of your chosen field.

Course Entry Requirement

This is an open entry course with no pre-requisite qualifications.

Course Outcome(s)

This course helps you to:

  • Proactively assess clients loan applications
  • Assist clients through the lending process.
  • Provide tools that protect clients and ensure the clients suitability.

Who Should Enrol?

The program is for successful credit representative, loan officers, responsible managers and brokers who wish to offer consumer credit advice, It has a strong practical, experiential focus which encourages application of principles.

  • The courses can be tailored to meet the needs of credit licensees, organisations and institutions.
  • It is also appropriate for candidates who intend to become credit representatives and responsible managers;

Course Durations

It is expected that students will spend 650 hours in learning and related activities if completing on a full-time basis over 6 months. Students who have extensive industry experience will be expected to complete it in a shorter period.

Course Outline

This course introduces credit management, works through the lending process and examines the agreements you will require to implement the loan.

Credit Management

  • The Australian Financial System
  • Responsible Lending Conduct Obligations
  • The Lending Process
  • Commercial Lending Practice
  • Consumer Lending Issues
  • Applying Principles of Professional Management
  • Time Management and Business Development
  • Problem Loans Management
  • Risk Management

Units of Competency

Core Units

  • Assess credit applications
  • Establish and maintain appropriate security
  • Manage and recover bad and doubtful debts
  • Utilise the legal process to recover outstanding debt
  • Manage overdue customer accounts
  • Resolve disputes
  • Apply principles of professional practice to work in the financial services industry
  • Conduct individual work within a compliance framework
  • Implement risk management strategies

Elective Units

  • Promote understanding of the role and effective use of consumer credit
  • Process customer complaints
  • Implement customer service standards
  • Manage personal work priorities and professional development


We have designed our assessment activities in line with best practice standards to help you deliver quality advice outcomes to your clients.

There are three forms of assessment:

  • Multiple choice knowledge test
  • Assessment Tasks based on the practical application of concepts learned.
  • Skills assessment


Mentor specialises in providing professional education and training services to you anywhere, any-time. We appreciate that learning needs differ for each individual and organisation, which is why we allow you to select the approach that works best for you.

The Certificate IV in Credit Management course is the default qualification for the credit, lending and broking industry. If you want to graduate at the leading edge of this field with the skills and knowledge to get ahead in the industry, then this is the course for you.

  • No hidden costs
  • Self-Paced
  • Start any time
  • Online assessment
  • 1300 phone support


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..Mentor Education’s assistance with helping me with both Diploma of Financial Planning and the Adv. Diploma of Financial Planning has been fantastic. I really appreciate their guidance and assistance with helping me obtain my qualifications. Your prompt email responses to my queries are also greatly appreciated..

Linda Pfitzner
Client Service Manager
Leading Australia Bank Financial Planning

..Mentor Education simply makes our lives easier. Their professional problem-solving approach allows us to focus on other parts of the business;
safe in the knowledge that Mentor graduates have what is takes to provide our clients with sound and accurate advice..

Charles Cavallaro
Professional Development Coordinator
Leading Australian Bank

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