This Certificate IV in Credit Management is ideal for new lenders and internal collections officers. As part of the course, you will learn how to process applications for credit, implement risk management strategies and resolve disputes - all of which are key areas in the credit management industry. Whether a lender or a collector - learn about both parts of the credit management role.
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offered under the Certificate IV in Credit Management
Please note that subjects and specific units of competency on offer will vary and may change during your enrolment
Elective subjects may apply and will be determined during the induction process
1 -2 electives required
Ethics, compliance and risk, form the foundation of financial institutions. This subject discusses the skills required to apply ethical principles to decision making and to act in line with ethical principles, and to ensure that work practices are compliant and within business risk strategies. Case studies are used to show individuals how to apply ethical frameworks to decide on, carry out, and evaluate the effectiveness of a course of action in response to an ethical and compliance situation in their workplace.
The role of debt collection is an essential one in the financial services industry and in the wider economy. Through a look at debt collection guidelines, licensing, secured and unsecured creditors, negotiation and managing accounts, you will learn the various skills and knowledge essential to ensure debts are retrieved efficiently and that all legal requirements are supported.
This subject covers how legal proceedings to recover debts are commenced through the Court Systems Proceedings and the enforcement processes that can result. It provides an overview of the debt collection process and the ways to initiate legal proceedings and the various legal options available including debt agreements.
Beginning with the role of responsible lending in the marketplace, this subject then reviews the role and content of Credit Risk Policies and the lending approval criteria detailed within those policies. The process and methods for assessing credit and the typical approval processes for regulated consumer credit products are detailed in this subject. The secondary aspect of this subject is determining the needed securities to apply.
Formal disputes processes exist in financial services as a regulatory requirement. In this subject you will learn internal formal complaints management techniques, Internal Dispute Resolution requirements under Regulatory Guide 271 and understand the workings of the applicable external dispute resolution scheme AFCA.
This subject examines industry professional approaches to procedures, guidelines, policies and standards, including ethical requirements, and the requirements to model and meet expectations of these in all aspects of work.
This subject examines the skills and knowledge required to identify and manage individuals facing financial hardship and in vulnerable situations. It includes reviewing and confirming hardship applications, reporting outcomes back to the client and monitoring the agreement for any breaches. The subject applies to individuals who engage with debtors in the recovery of outstanding debts as well as essential background for credit and lending officers.
Quality Education at a Fair Price
1,580* - $
16 months is allowed as the standard part time enrolment term for the Certificate IV in Credit Management course.
Students who are able to commit more time to their course can finish earlier; while Traineeship terms may be longer.
for the Certificate IV in Credit Management
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A traineeship is great way to develop the skills of your workforce.
Traineeships combine time at work with training, and can be full-time, part-time or school-based. Trainees must be an Australian Citizen or permanent resident visa holder. Each state determines what subsidised training is available for your trainees in that state.
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