Qualification Outline
22/07/2026 9:20 PM AWST
Whilst all efforts are made to provide accurate and timely information from the relevant source/documentation, please be aware that the information supplied may not be the most current version. The accuracy of the detail has not been confirmed by the Department and therefore should not be relied upon without first confirming the contents.
Certificate IV in Credit Management
Certificate IV in Credit Management
FNS40111
D705
Replaced
Replaced
National Endorsed, State Implementation and Classification
Releases
| Release Version | Release Date | TGA Status | DTWD Status |
|---|---|---|---|
| 3.00 | 18/07/2013 | Current | Approved |
Description
This qualification reflects entry level job roles in credit management that apply in a range of financial services sectors and to credit management functions in other industries.
Schedule
Packaging Rules
12 units must be achieved:9 core units
plus 3 elective units.
3 elective units may be selected from the elective units listed below or any other qualification at Certificate IV level within the FNS training package.
2 elective units may be selected from the elective units listed below, any endorsed Training Package or accredited course. Elective units may be selected from a Certificate III, Certificate IV or Diploma qualification.
Elective units must be relevant to the work outcome, local industry requirements and the qualification level.
Core units of competency:
FNSCRD401A Assess credit applications
FNSCRD402A Establish and maintain appropriate securitisation
FNSCRD403A Manage and recover bad and doubtful debts
FNSCRD404A Utilise the legal process to recover outstanding debt
FNSCRD405A Manage overdue customer accounts
FNSCUS402A Resolve disputes
FNSINC401A Apply principles of professional practice to work in the financial services industry
FNSORG401A Conduct individual work within a compliance framework
FNSRSK401A Implement risk management strategies
Elective units of competency:
FNSACC401A Process business tax requirements
FNSCNV506A Establish and manage a trust account
FNSCRD503A Promote understanding of the role and effective use of consumer credit
FNSRSK502A Assess risks
BSBCCO203A Conduct customer contact
BSBCMM301B Process customer complaints
BSBCUS403B Implement customer service standards
BSBFIA401A Prepare financial reports
BSBMGT405A Provide personal leadership
BSBOHS201A Participate in OHS processes
BSBSMB407A Manage a small team
BSBWOR402A Promote team effectiveness
BSBWOR501B Manage personal work priorities and professional development
1. Core Units
All nine (9) units must be completed
| State Code | National Code | Title | Hours | Type |
|---|---|---|---|---|
| D4168 | FNSINC401A | Apply principles of professional practice to work in the financial services industry | 20 | Unit of competency |
| D4083 | FNSCRD401A | Assess credit applications | 20 | Unit of competency |
| D9447 | FNSORG401A | Conduct individual work within a compliance framework | 40 | Unit of competency |
| D4084 | FNSCRD402A | Establish and maintain appropriate securitisation | 20 | Unit of competency |
| D4310 | FNSRSK401A | Implement risk management strategies | 35 | Unit of competency |
| D4085 | FNSCRD403A | Manage and recover bad and doubtful debts | 30 | Unit of competency |
| D4087 | FNSCRD405A | Manage overdue customer accounts | 25 | Unit of competency |
| D4094 | FNSCUS402A | Resolve disputes | 30 | Unit of competency |
| D4086 | FNSCRD404A | Utilise the legal process to recover outstanding debt | 25 | Unit of competency |
2. Elective Units
Three (3) units may be chosen from the elective units listed.
Please refer to the packaging rules for the full details of available options.
| State Code | National Code | Title | Hours | Type |
|---|---|---|---|---|
| D4312 | FNSRSK502A | Assess risks | 40 | Unit of competency |
| S8039 | BSBCCO203A | Conduct customer contact | 100 | Unit of competency |
| D4079 | FNSCNV506A | Establish and manage a trust account | 40 | Unit of competency |
| S8075 | BSBCUS403B | Implement customer service standards | 30 | Unit of competency |
| D1018 | BSBSMB407A | Manage a small team | 40 | Unit of competency |
| WB920 | BSBWOR501B | Manage personal work priorities and professional development | 50 | Unit of competency |
| D0887 | BSBOHS201A | Participate in OHS processes | 15 | Unit of competency |
| D0705 | BSBFIA401A | Prepare financial reports | 40 | Unit of competency |
| D4033 | FNSACC401A | Process business tax requirements | 50 | Unit of competency |
| S8068 | BSBCMM301B | Process customer complaints | 20 | Unit of competency |
| D1031 | BSBWOR402A | Promote team effectiveness | 40 | Unit of competency |
| D4090 | FNSCRD503A | Promote understanding of the role and effective use of consumer credit | 50 | Unit of competency |
| D0845 | BSBMGT405A | Provide personal leadership | 50 | Unit of competency |
Replaces
| State Code | National Code | Title | Type |
|---|---|---|---|
| S700 | FNS40110 | Certificate IV in Credit Management | Qualification |
Replaced By
| State Code | National Code | Title | Type |
|---|---|---|---|
| AWC3 | FNS40115 | Certificate IV in Credit Management | Qualification |
No information
Entry Requirements
Not applicable.