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FNS42015 Certificate IV in Banking Services

FNS42015 Certificate IV in Banking Services


The course aims to provide learners with the knowledge and skills to work in Banking, Credit or Lending roles within the financial services Industry. It covers areas such as communication, product knowledge, sales relationship, credit, processing applications and negotiations with clients.


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This course will focus on the following areas:

  • Working within the financial services industry
  • Developing knowledge of financial products and tailoring products to meet a client’s needs
  • Communicating with clients to provide professional levels of service
  • Processing credit applications
  • Understanding and implementing securitisation
  • Leadership skills and personal development


The program is completed online for $1,895.00 (annual fee) or through a workshop program for $2,295.00*

*Workshop – subject to availability and minimum numbers.

* RPL price on application (pending number of units applying for RPL)

Fees & Enrolment Process

The face to face program is run over a series of session, where you will cover content, however, you will be required to complete the program assessments post the workshop which may involve working through our eLearning portal on some modules.
Please note fees are charged per annum and are GST exempt. Please see HERE for information on further fees that may be applicable.
Once you enrol through the online link above, please be advised that your enrolment will be processed by ISM within 1 business day. An email with instructions will be sent to you regarding invoice and eLearning details. Please note: log on details will only be released once initial payment is received (unless prior arrangements with your organisation).
It may take up to 2 – 3 business days for you to commence your program.

Who is it for?

This course has been specifically designed for those working in the financial services industry. Possible job profiles may include;

  • Senior sales consultant
  • Lending consultant
  • Lending officer
  • Team leader or Supervisor
  • Customer contact centre service consultant

Entry requirements

There are no entry requirements for this qualification.

How is the course delivered?

You can complete this course online or in a workshop environment. Workshops are limited and based on demand. Contact us on 1300 200 705 if you are interested in completing this course in a workshop.


We understand that each learner has individual requirements and likes to study at their own pace. We would expect this course to take anyway from 6 to 12 months to complete.

Course requirements

To achieve FNS42015 Certificate IV in Banking Services, you need to successfully complete 12 units of competency:

  • 5 core units
  • 7 elective units

Core units and electives

This course has a number of mandatory core units and a variety of electives from which you can choose

Core Units


Unit Name

What will I learn? 

FNSINC401 Apply principles of professional practice to work in the financial services industry
  • Identifying scope, sectors and responsibilities of industry
  • Identifying and applying guidelines, procedures and legislation
  • Identifying sustainability issues
  • Managing information
  • Participating in and facilitating work team activities

FNSINC402 Develop and maintain in-depth knowledge of products and services used by an organisation or sector
  • Identifying products and services organisation uses
  • Identifying compliance implications of product
  • Determining appropriate users for products and services
  • Maintaining product knowledge

BSBCUS403 Implement customer services standards
  • Contributing to quality customer service standards
  • Implementing customer service systems
  • Implementing team customer service standards

BSBWHS201 Contribute to health and safety of self and others
  • Working safely
  • Implementing work safety requirements
  •  Participating in WHS consultative processes

BSBWOR204 Use business technology
  • Selecting and using technology
  • Processing and organising data
  • Maintaining technology

Elective Units


Unit Name

What will I learn?

BSBCUS401 Coordinate implementation of customer service strategies
  • To effectively work in a team to co-ordinate customer service strategies for an organisation.
  • Evaluate and review customer satisfaction, report the findings and make recommendations for improvement.
FNSCRD401 Assess credit applications
  • Satisfying initial enquiry
  • Assessing and verifying credit information
  • Assessing risk
  • Establishing credit terms and limits

FNSCRD402 Establish and maintain appropriate security
  • Assessing requirement for security
  • Identifying available security options and suitability of available securities
  • Applying appropriate security
  • Monitoring and reviewing effectiveness of security arrangement

 FNSCRD503 Promote understanding of the role and effective use of consumer credit
  • Identifying types of appropriate consumer credit options for clients
  • Identifying and discuss costs of using credit
  • Promoting effective use of consumer credit
  • Providing clients with information regarding credit reference reports

FNSASIC301 Establish client relationship and analyse needs
  • Establishing relationship with client
  • Identifying client objectives, needs and financial situation
  • Analysing client objectives, needs, financial situation and risk profile

FNSASIC302 Develop, present and negotiate client solutions
  • Developing appropriate strategies and solutions
  • Presenting appropriate strategies and solutions to client
  • Negotiating financial plan, policy or transaction with client
  • Coordinating implementation of agreed plan, policy or transaction
  • Completing and maintaining necessary documentation
  • Providing ongoing service where requested by client

BSBWOR404 Develop Work Priorities
  • Planing and completing own work schedule
  • Monitoring own work performance
  • Co-ordinating professional development

Assessment information

Assessment for this course will be provided on your learner portal. There are a range of assessments which include quizzes, written tasks and/or case studies.

Technology Required

To enable completion of this qualification you will require an internet connection to access Learning Materials and Assessments via ISM’s eLearning Portal. Our system works best of the following browsers: Safari, Chrome, Firefox and Internet Explorer 11.

Some assessments may require you to record using a device (such as a smart phone) and submit via our eLearning portal.