Qualification Outline
22/07/2026 3:39 PM AWST
Whilst all efforts are made to provide accurate and timely information from the relevant source/documentation, please be aware that the information supplied may not be the most current version. The accuracy of the detail has not been confirmed by the Department and therefore should not be relied upon without first confirming the contents.
Certificate IV in Banking Services
Certificate IV in Banking Services
FNS42022
BHT8
Current
Approved
National Endorsed, State Implementation and Classification
Releases
| Release Version | Release Date | TGA Status | DTWD Status |
|---|---|---|---|
| 1.00 | 15/06/2022 | Current | Approved |
Description
This qualification reflects the role of individuals requiring specialist understanding of financial products and services working in banking, customer contact centre or retail financial services environments. Individuals in these roles apply specialist skills and knowledge to work autonomously and exercise judgement in completing routine and non-routine activities. The qualification allows for specialisation in customer service, lending and mobile banking.
Licensing, legislative, regulatory or certification considerations
Work functions in the occupational areas where this qualification may be used are subject to regulatory requirements. Refer to the relevant regulator for specific guidance on requirements.
Schedule
Packaging Rules
Total number of units = twelve (12)- five (5) core units plus
- seven (7) elective units, of which:
- at least three (3) must be from one of the following elective groups:
- Group A Customer service
- Group B Lending
- Group C Mobile banking
- the remaining units may be from any elective group
- up to two (2) may be from this qualification or any currently endorsed Certificate III or above training package qualification or accredited course.
Elective units must be relevant to the work environment and the qualification, maintain the overall integrity of the AQF alignment, not duplicate the outcome of another unit chosen for the qualification, and contribute to a valid industry-supported vocational outcome.
Where relevant, the choice of elective units set out in the packaging rules below can serve to provide the qualification with a specialisation. The achievement of a specialisation will be identified on testamurs as follows:
- FNS42022 Certificate IV in Banking Services (Customer Services)
- FNS42022 Certificate IV in Banking Services (Lending)
- FNS42022 Certificate IV in Banking Services (Mobile Banking)
Packaging rules to achieve a specialisation:
Specialisation 1 in Customer Service
- Select all seven (7) units from Group A Customer service
Specialisation 2 in Lending
- Select all six (6) units from Group B Lending
Specialisation 3 in Mobile Banking
- Select all five (5) units from Group C Mobile banking
1. Core Units
All five (5) units must be completed.
| State Code | National Code | Title | Hours | Type |
|---|---|---|---|---|
| OCZ44 | FNSINC412 | Apply and maintain knowledge of financial products and services | 40 | Unit of competency |
| OBR68 | FNSRSK411 | Apply risk management strategies to own work | 45 | Unit of competency |
| OBR53 | FNSINC411 | Conduct work according to professional practices in the financial services industry | 25 | Unit of competency |
| AUQ84 | FNSCUS403 | Deliver a professional service to customers | 30 | Unit of competency |
| OED09 | FNSINC513 | Identify and apply complex ethical decision making to workplace situations | 35 | Unit of competency |
2. Group A - Customer Service Elective Units
For the specialisation 1 in Customer Service, select all seven (7) units from Group A Customer Service. Please refer to the packaging rules for the full details of available options.
| State Code | National Code | Title | Hours | Type |
|---|---|---|---|---|
| OEC07 | FNSASIC311 | Establish client relationship and analyse needs | 40 | Unit of competency |
| OEB81 | FNSSAM413 | Identify and provide initial information to potential new clients | 15 | Unit of competency |
| OCE82 | BSBOPS404 | Implement customer service strategies | 35 | Unit of competency |
| OEC87 | FNSSAM422 | Implement promotional strategies for financial products and services | 60 | Unit of competency |
| OEC88 | FNSSAM421 | Provide information on financial products and services to clients | 25 | Unit of competency |
| OEC06 | FNSASIC312 | Provide personal advice on non-relevant financial products | 45 | Unit of competency |
| OEC84 | FNSCUS412 | Resolve disputes | 30 | Unit of competency |
3. Group B - Lending Elective Units
For the specialisation 2 in Lending, select all six (6) units from Group B Lending. Please refer to the packaging rules for the full details of available options.
| State Code | National Code | Title | Hours | Type |
|---|---|---|---|---|
| AUQ65 | FNSCRD401 | Assess credit applications | 20 | Unit of competency |
| OEC03 | FNSCRD412 | Establish and maintain appropriate security options for credit facilities | 20 | Unit of competency |
| OCZ63 | FNSMCA413 | Identify and manage individuals experiencing hardship | 35 | Unit of competency |
| OCZ52 | FNSFMB511 | Implement credit contracts in preparation for settlement | 25 | Unit of competency |
| OEB97 | FNSCRD513 | Promote client understanding of the role and effective use of consumer credit | 50 | Unit of competency |
| OCZ08 | FNSMCA412 | Undertake legal action for recovery of debts | 35 | Unit of competency |
4. Group C – Mobile Banking Elective Units
For the specialisation 3 in Mobile Banking, select all five (5) units from Group C Mobile Banking. Please refer to the packaging rules for full details of available options.
| State Code | National Code | Title | Hours | Type |
|---|---|---|---|---|
| OED11 | FNSBNK412 | Align banking products with the needs of small business customers | 60 | Unit of competency |
| OEC16 | FNSBNK411 | Coordinate small business customer portfolios | 60 | Unit of competency |
| OBR56 | FNSBNK416 | Manage mobile lending services | 35 | Unit of competency |
| OBR92 | FNSBNK414 | Promote mobile banking services | 35 | Unit of competency |
| OBR75 | FNSBNK415 | Provide mobile banking sales and services | 35 | Unit of competency |
5. General Elective Units
The remaining units may be chosen from Group D. Please refer to the packaging rules for the full details of available options.
Replaces
| State Code | National Code | Title | Type |
|---|---|---|---|
| BFF0 | FNS42020 | Certificate IV in Banking Services | Qualification |
No information
Entry Requirements
Nil
Traineeships and Apprenticeships