FNS40122 is the nationally recognised Certificate IV in Credit Management. It prepares you for work as a credit and loans officer (aus) / finance clerk (nz). It has been the current version on the national register since 2022, when it replaced FNS40120. Employers posted about 1,424 credit and loans officer (aus) / finance clerk (nz) jobs in June 2026, down 3.3% on a year earlier.
The signals behind the Certificate IV in Credit Management are mixed, and both sides are worth weighing. Enrolments are rising. The official shortage list does not rate its occupations in shortage. These are official statistics, not a promise about your result.
Job ads for credit and loans officer (aus) / finance clerk (nz)s are holding steady. About 1,424 credit and loans officer (aus) / finance clerk (nz) jobs were advertised online in June 2026, down 3.3% on a year earlier. Over the last 12 months there were about 17,300 job ads, while 280 people were training in the qualification nationally (2025). Ads show the market. Enrolments show the pipeline. Neither is a job promise.
Australia's official shortage list rates credit or loans officers as not in shortage. The 2025 Occupation Shortage List rates Credit or Loans Officer as not in shortage.
Credit and loans officer (aus) / finance clerk (nz) jobs are projected to stay about flat. Jobs and Skills Australia projections put these occupations at 36,433 workers in May 2025, 37,369 by May 2030 (up 2.6%) and 39,498 by May 2035 (up 8.4%).
Enrolments in the Certificate IV in Credit Management are growing. Across Australia, 255 people enrolled in 2024. In 2025 it was 280, up 9.8% in a year. National data for FNS40122 starts in 2022.
The register and the national framework set some of this. Providers set the rest.
State funding for FNS40122 is being verified against official program lists.
Eligibility and student contributions vary by program and provider. The official state listing is the source of truth. In a subsidised place the government pays most of the tuition and you pay a co-contribution set by the program and provider.
The Certificate IV in Credit Management is 10 units: 7 core, plus 3 electives chosen from 18 options on the register.
No Get Course partner currently lists this qualification. Check the national register for organisations approved to deliver it, and remember that approval to deliver is a regulatory fact, not a recommendation. You can browse live courses from our partners and enquire today.
Browse coursesGet Course maps FNS40122 to its occupations using the register’s own outcome wording, shown with ANZSCO codes (here, 5522) so the mapping can be checked. Job advertisement counts come from the Jobs and Skills Australia Internet Vacancy Index and count online ads, not vacancies filled. Enrolment counts come from NCVER Total VET Activity and count people in training, not completions. Funding rows appear only after verification against the official state program list. Source vintages: Jobs and Skills Australia Internet Vacancy Index latest month June 2026; Occupation Shortage List 2025 assessment; NCVER Total VET Activity 2025 collection; employment projections May 2025 to May 2035 release; register training.gov.au, synced 16 September 2026; register synced 18 Sept 2026. Page last updated 19 Sept 2026.