Certificate IV in Credit Management

Course Code FNS40115
Course Title Certificate IV in Credit Management
Location Melbourne City Campus
Intake Dates Monthly
Duration 1 Year
Fee Type Full Fee

Course Overview

FNS40115 Certificate IV in Credit Management reflects entry to mid level credit management job roles in the financial services sector and other industries.

This nationally recognised qualification addresses recent Government legislative changes.

Course Structure


A range of assessment methods are used to assess practical skills and knowledge including:

  • Project/Assignment
  • Workplace case studies and scenarios
  • Development of personal and team work goals, plans and activities
  • Research activities and case studies
  • Portfolio

Units of Competency

The FNS40115 Certificate IV in Credit Management requires 12 units of competency:

Core Units

FNSCRD401 – Assess credit applications
FNSCRD402 – Establish and maintain appropriate security
FNSCRD403 – Manage and recover bad and doubtful debts
FNSCRD404 – Utilise the legal process to recover outstanding debt
FNSCRD405 – Manage overdue customer accounts
FNSCUS402 – Resolve disputes
FNSINC401 – Apply principles of professional practice to work in the financial services industry
FNSORG401 – Conduct individual work within a compliance framework
FNSRSK401 – Implement risk management strategies

Elective Units

BSBCUS403 – Implement customer service standards
BSBWOR501 – Manage personal work priorities and professional development
FNSINC402 – Develop and maintain in-depth knowledge of products and services used by an organisation or sector

Credit Transfer and RPL offered: Recognition of prior learning and skills assessment


Entry Requirements

There are no entry requirements for this qualification. Applicant will be required to successfully complete an ACSF language, literacy and numeracy (LLN) assessment.
Learning, reading, writing, oral communication and numeracy (ACSF Level 3) are desirable to participate in the course.



After achieving the FNS40115 Certificate IV in Credit Management, you may undertake a higher tertiary qualification.

Your Career

This course provides you with the skills and knowledge to undertake job roles such as:

  • credit officer
  • reconciliation officer
  • customer service officer
  • credit manager (in smaller organisations)


Fee Types

Full Fee


Questions about fee type? Find your answers here

* Material fees may apply
* The student tuition fees as published are subject to change given individual circumstances at enrolment