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Occupations / Credit And Loans Officers

Credit and Loans Officers

Credit and Loans Officers analyse, evaluate and process credit and loan applications.

Business & adminLicensed workANZSCO 5522
$1,806/wkMedian full-time pay
36kPeople employed
+8% ▲Growth to 2035
87%Work full time
39Median age
Source: ABS · JSA, 2025-26ABS (Australian Bureau of Statistics) Labour Force via Jobs and Skills Australia (JSA), February 2026; ABS Employee Earnings and Hours May 2025; JSA Employment Projections, May 2025 base. ANZSCO 5522.More about our sources: How we check our facts

What they do

The main tasks of this occupation, from the national occupation standard.

analysing information about customers and examining references, credit ratings, investment risks, pay slips and other information against predetermined policy standardscontacting financial and credit institutions to obtain information about customerspreparing papers setting out conditions of credit and loans, rates of repayment and loan periods, and providing information about customers' standing to financial and credit institutionsauthorising the approval of credit and loan applications and recommending credit and loan conditions and limitskeeping records of payments, and preparing routine letters requesting payment for overdue accounts and forwarding these for legal actionanswering inquiries concerning credit standing of customers, loan balances and penalties
Source: JSA occupation profileTask list from the Jobs and Skills Australia occupation profile for ANZSCO 5522 (ANZSCO task statements).More about our sources: How we check our facts

The outlook

Room for 3,100 more people in credit and loans officers by 2035 ▲

The field shrank 2.5% in the year to February 2026, losing about 900 workers. Most of the jobs are in NSW and VIC, with QLD third.

Source: JSA · ABS, 2025-26ABS (Australian Bureau of Statistics) Labour Force via Jobs and Skills Australia (JSA), February 2026; ABS Employee Earnings and Hours May 2025; JSA Employment Projections, May 2025 base. ANZSCO 5522.More about our sources: How we check our facts
36.4k2025
37.4k2030 PROJ.
39.5k2035 PROJ.

Getting in

There is no single way in. 26% trained through VET, 44% hold a degree.

Both paths are common in this field. These are the nationally recognised courses mapped to this occupation, with the number of registered training providers that offer each one.

Source: JSA · training.gov.auEducation split: JSA (Jobs and Skills Australia) occupation profile, using ABS (Australian Bureau of Statistics) Census data, ANZSCO 5522. Qualification mapping and provider counts: training.gov.au, the national register of vocational education, October 2026. Listed providers are current registered training providers (private providers and TAFE institutes).More about our sources: How we check our facts

Nationally recognised training · most offered first

FNS30420Certificate III

Certificate III in Mercantile Agents

Financial Services Training Package · licensed work.

See 3 providers
FNS40122Certificate IV

Certificate IV in Credit Management

Financial Services Training Package · licensed work.

See 3 providers
FNS51522Diploma

Diploma of Credit Management

Financial Services Training Package · licensed work.

See 1 provider

Licensed work: several of these courses lead to work that also needs a state or territory licence. Training is the first step; licensing rules are set by each state.

Providers are shown in A-Z order on each course page. A listing is not a recommendation.

Jobs open right now

36k Australians do this work. See who is hiring this month.

Search job ads by state

Each link opens seek.com.au in a new tab, showing ads posted in the last month. SEEK is a job site; we link there because that is where most Australian jobs are advertised. We have no commercial relationship with SEEK.

Source: ABS · JSA, 2025-26State chart shows people employed, not current job ads. ABS (Australian Bureau of Statistics) Labour Force via Jobs and Skills Australia (JSA), February 2026; ABS Employee Earnings and Hours May 2025; JSA Employment Projections, May 2025 base. ANZSCO 5522.More about our sources: How we check our facts

People employed by state, 2025-26

NSW13.5k
VIC10.3k
QLD7k
SA1.8k
WA1.6k
TAS0.4k
ACT0.3k
NT0.1k

Occupations near this one

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