The Certificate IV in Finance and Mortgage Broking will deliver the skills and specialist knowledge needed to operate as a successful and effective finance or mortgage broker. This course has been tailored to provide the industry skills you'll need to identify client needs, present broking options and prepare loan applications. You'll also learn how to ensure compliance with financial services regulations, industry codes of practices and the skills to ethically sell financial products and services.
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offered under the Certificate IV in Finance and Mortgage Broking
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 Elective is required (depending on subjects chosen)
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.
This subject has been structured to progressively develop the students skill and knowledge in the building, managing and maintaining of customer relationships to support business outcomes. It explains the difference between customer service and customer relationship building; with an emphasis on the skills required for longer term relationship building. This includes considering a range of client relationship strategies and also how to use networking effectively.
Being able to organise personal work priorities is an essential job skill. Learn how to set and meet work priorities through time management and planning your work schedule. Skills to identify potential problems and prevent stress in the workplace are also covered. Also learn the importance of professional development activities.
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. Note an alternative subject is available for commercial / business credit.
Identify and Present Broking Options looks at the essential skills for a mortgage and finance broker: interview techniques; determining client needs and explaining product differences. This subject covers an overview of the industry, relevant Industry Bodies, and key legislation such as Broker Arrangement Regulations and the National Consumer Credit Protection Act.
Strict rules apply to the sale of financial products. This Subject looks at how to be effective with sales but also to be compliant and ethical. Covering advanced level questioning and probing skills; addressing customer objections; and taking steps to close the sale.
This subject ensures that you have the skills to identify and interpret compliance requirements, procedures and to identify industry professional approaches to procedures, guidelines, policies and standards, including ethical requirements.
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.
Tier 2 accreditation involves looking at the role of advisers and the classification of Tier 2 products including the features of Basic Deposit Products and Non-cash Payment Products. The difference between factual information and general advice is explored. In addition, the ASIC RG content requirements of relevant consumer legislation and disclosure document obligations are covered in detail. This program provides an in-depth learning opportunity and requires multiple skills demonstrations via role plays.
Quality Education at a Fair Price
1,980* - $
14 months is allowed as the standard part time enrolment term for the Certificate IV in Finance and Mortgage Broking 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 Finance and Mortgage Broking
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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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