This page is updated when information changes, but it's always best to talk to your training provider to confirm course details before you enrol.
Overview
This qualification is designed to provide a flexible general purpose pathway in the financial services industry. It is intended for individuals with job roles that involve working across a range of duties in the financial services sector where a specialist qualification is not the most suitable qualification. Individuals in these roles apply theoretical and technical knowledge and skills to work autonomously and exercise judgement in completing routine and non-routine activities.
Licensing/Regulatory Information
Work functions in the occupational areas where this qualification is used may be subject to regulatory requirements. Refer to the relevant regulator for specific guidance on requirements.
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Financial help
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Government funding is not available for this course.
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Cost
Course costs can vary by provider and location. Ask your training provider for a cost estimate.
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VET Student Loans are not available
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You may need to pay for equipment or materials.
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On-the-job training
- Completing this course through a traineeship can help you to learn the skills you need.
This traineeship is available:
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Entry requirements
This course doesn't have any entry requirements. It could be a good starting point for your career.
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Duration
You complete this course when you’ve learned the skills, not after a set amount of time. The times shown are estimates.
- Through traineeship:
2 years - Qualification only:
6 months – 2 years
- Through traineeship:
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Delivery options
You may be able to access this training in these ways:
Course content
This course is made up of units.
All courses have core units—these are mandatory for completing the course. Most courses also have elective units, which you can choose from to suit your needs and interests. Not all training providers offer every elective, so check with your provider to find out which electives they can offer you.
For more information about course content, talk to your training provider or visit the National Training Register.
| Unit | Unit type |
|---|---|
| Conduct work according to professional practices in the financial services industry | Core |
| Align banking products with the needs of small business customers | Elective |
| Analyse and present research information | Elective |
| Apply and maintain knowledge of financial products and services | Elective |
| Apply business risk management processes | Elective |
| Apply ethical frameworks and principles to make and act upon decisions | Elective |
| Apply project risk management techniques | Elective |
| Apply risk management strategies to own work | Elective |
| Assess credit applications | Elective |
| Build and maintain business relationships | Elective |
| Collect, assess and use information | Elective |
| Comply with financial services regulation and industry codes of practice | Elective |
| Conduct financial product research to support product recommendations | Elective |
| Conduct individual work within a compliance framework | Elective |
| Contribute to WHS risk management | Elective |
| Coordinate small business customer portfolios | Elective |
| Coordinate workplace information systems | Elective |
| Deliver a professional service to customers | Elective |
| Demonstrate leadership in the workplace | Elective |
| Design and produce complex spreadsheets | Elective |
| Determine financial requirements of small businesses | Elective |
| Determine impact of social security entitlements on retirement income | Elective |
| Develop and maintain knowledge of financial markets products | Elective |
| Develop and provide knowledge of aged care to superannuation clients | Elective |
| Develop personal work priorities | Elective |
| Establish and administer retirement income streams | Elective |
| Establish and maintain appropriate security options for credit facilities | Elective |
| Establish and maintain payroll systems | Elective |
| Establish client relationship and analyse needs | Elective |
| Identify and apply complex ethical decision making to workplace situations | Elective |
| Identify and manage individuals experiencing hardship | Elective |
| Identify and provide initial information to potential new clients | Elective |
| Implement continuous improvement | Elective |
| Implement customer service strategies | Elective |
| Implement promotional strategies for financial products and services | Elective |
| Interpret financial markets information | Elective |
| Lead effective workplace relationships | Elective |
| Lead team effectiveness | Elective |
| Maintain and monitor digital information and records | Elective |
| Maintain inventory records | Elective |
| Make decisions in a legal context | Elective |
| Make presentations | Elective |
| Manage and recover bad and doubtful debts | Elective |
| Manage budgets and financial plans | Elective |
| Manage mobile lending services | Elective |
| Manage overdue customer accounts | Elective |
| Organise business meetings | Elective |
| Participate in negotiations | Elective |
| Perform reconciliations | Elective |
| Prepare operational budgets | Elective |
| Promote client understanding of the role and effective use of consumer credit | Elective |
| Promote mobile banking services | Elective |
| Provide information on financial products and services to clients | Elective |
| Provide knowledge of retirement planning issues when dealing with superannuation clients | Elective |
| Provide mobile banking sales and services | Elective |
| Provide personal advice on non-relevant financial products | Elective |
| Provide retirement income stream information to superannuation clients | Elective |
| Provide services in a Business Transaction Centre | Elective |
| Provide Tier 2 general advice in general insurance | Elective |
| Provide Tier 2 personal advice in general insurance | Elective |
| Resolve disputes | Elective |
| Terminate retirement income streams | Elective |
| Utilise the legal process to recover outstanding debt | Elective |
| Work within compliance frameworks | Elective |
Job prospects
The Certificate IV in Financial Services sets you up for roles like these, but the skills you learn could take you even further.
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Finance Manager
ANZSCO 132211
Plan, organise, control and supervise all the financial and accounting activities within an organisation.
Recommended education level:
Bachelor degree or higher -
Bank Manager and Branch Manager
ANZSCO 149914
Manage the day to day operational activities of a bank branch, building society, credit union or other financial institution.
Recommended education level:
Diploma, Advanced Diploma or Associate Degree -
Financial Investment Adviser
ANZSCO 222311
Offer advice and develop strategies about financial planning, investing, insurance and other financial services.
Recommended education level:
Bachelor degree or higher -
Financial Investment Manager
ANZSCO 222312
Manage sums of money and assets on behalf of others; invest funds to bring financial returns for clients.
Recommended education level:
Bachelor degree or higher -
Bank Worker
ANZSCO 552111
Receive deposits and pay out money; advise customers on banking services and products.
Recommended education level:
Certificate III or IV -
Credit and Loans Officer
ANZSCO 552211
Credit and Loans Officers analyse, evaluate and process credit and loan applications.
Recommended education level:
Certificate III or IV -
Bookmaker
ANZSCO 552311
Bookmakers determine risk, offer odds and accept bets on the outcome of racing and other events.
Recommended education level:
Certificate II or III -
Insurance Consultant
ANZSCO 552312
Insurance Consultants prepare and check documentation associated with insurance. They may work in call centres.
Recommended education level:
Certificate II or III -
Money Market Clerk
ANZSCO 552313
Money Market Clerks process documentation and maintain records of securities transactions and registrations.
Recommended education level:
Certificate II or III -
Statistical Clerk
ANZSCO 552314
Statistical Clerks compile data and undertake statistical and actuarial computations.
Recommended education level:
Certificate II or III
Training providers delivering Certificate IV in Financial Services
It's a good idea to research multiple training providers to make sure you're getting the right training for you.
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ASC Training & Development (RTO code 2353)
Contact this provider
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AUSTRALIAN COLLEGE OF COMMERCE & MANAGEMENT (RTO code 1441)
Contact this provider
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Aventia Institute (RTO code 41418)
Contact this provider
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ELITE EDUCATION VOCATIONAL INSTITUTE (RTO code 45018)
Contact this provider
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Financial Education Professionals Pty Ltd (RTO code 90725)
Contact this provider
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Institute of Strategic Management (RTO code 91485)
Contact this provider
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Management Consultancy International Pty Ltd (RTO code 91088)
Contact this provider
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PARRAMATTA COMMUNITY COLLEGE (RTO code 90276)
Contact this provider
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Success Resources International Pty Ltd (RTO code 31335)
Contact this provider
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TAFE NSW (RTO code 90003)
Contact this provider
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THE AUSTRALIAN & NEW ZEALAND INSTITUTE OF INSURANCE & FINANCE (RTO code 3596)
Contact this provider
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The National Finance Institute (RTO code 31203)
Contact this provider
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WIN College (RTO code 91175)
Contact this provider
How to enrol in this course
To enrol, choose a training provider that offers this course. You can see provider details on this page.
When you find one that you think suits you, visit their website or contact them directly to confirm details like start dates, fees, funding, delivery locations and delivery options.
The provider will guide you through the enrolment process.
How do apprenticeships and traineeships work?
Apprenticeships and traineeships let you combine hands-on work experience with training. You’ll gain job-ready skills and earn an income while you complete a qualification.
As an apprentice or a trainee, you work with an employer while completing your training. Most of your time is spent learning on the job, with some classroom or online training to support the skills you're developing in the workplace.
For some jobs, you may need to do an apprenticeship or traineeship before you are allowed to work as a qualified tradesperson. For example, you need to do an apprenticeship if you want to work as a licensed electrician.
Find out more about apprenticeships and traineeships.
See more information about the apprenticeship or traineeship you’re interested in pursuing on the Queensland Training Information Service.
How long will this course take?
This course is competency-based training, which means you progress as you demonstrate your skills and knowledge, rather than in a set amount of time.
The duration shown here is an estimate for full-time study based on how long most people take to complete the course. You may finish earlier than other people, or it may take you a bit longer.
If you’ve already completed training or have worked in a relevant area, you could get credits or recognition of prior learning. This can reduce the training you need to complete a qualification, which could reduce the time needed for training.
Duration for apprenticeships and traineeships
Apprenticeships and traineeships take longer than doing the qualification on its own, but you learn valuable hands-on skills.
For some jobs, you may need to do an apprenticeship or traineeship before you are allowed to work as a qualified tradesperson. For example, you need to do an apprenticeship if you want to work as a licensed electrician.
Learn about how courses are delivered
Different courses have different delivery options. Consider your needs when you’re researching courses. Some courses may be delivered entirely online or partially online. Others may be delivered in a classroom.
Some courses, like those delivered through apprenticeships and traineeships, are mostly based in the workplace but with some classroom or online study.
If a certain type of delivery is important to you, talk to your provider before you enrol to make sure they offer that delivery option.
How to reduce the cost of your course
There are lots of ways you can reduce the cost of your course.
- The government could partly or fully cover the cost of your course. See information about financial help and government funding on this page.
- The government also offers funding for some costs related to your course.
- If you’ve already completed training or have worked in a relevant area, you could get a cost credit or recognition of prior learning. This can reduce the training you need to complete a qualification, which could reduce the cost.
Learn about financial help and government funding
The main cost of training is usually the course fees, which vary depending on things like which course and training provider you choose.
You may be able to get your training for free or at a reduced cost, or you could get help with paying for training-related costs. You can also pay for some courses with a VET Student Loan.
Find out more about getting help paying for your training or check if you're eligible.
What are entry requirements?
Some courses have conditions you need to meet before you can enrol in the course. They help make sure you have the right background or skills for the training.
Entry requirements might include a certain education level, skills or knowledge, work status, or experience.