Lending Officer

Job Description

Lending Officers assess credit reports and scores of potential borrowers to decide if they are eligible for a loan. They make decisions and minimise risks based on guidelines, standards and legislation set by organisations and government. They analyse customer information, including financial documents and employment records.

Careers Ladder


It is possible to work as a Lending Officer without a formal qualification, however, employers may prefer you have a vocational qualification in credit management. It may also be advantageous to have recognition with the Australian Institute of Credit Management.

Complete a vocational qualification in credit or financial management such as a Certificate IV in Credit Management.

Consider furthering your skills by undertaking a Diploma of Credit Management.

Apply for accreditation with the Australian Institute of Credit Management.


  • Communicator
  • Customer Orientated
  • Interpersonal
  • Problem Solving
  • Procedural
  • Proficient
  • Reliable
  • Team Player
  • Thorough

Key Skills

  • Document Management
  • Banking & Finance
  • Liaison
  • Credit Applications
  • Records Management
  • Sales and Marketing

Future Prospects

Career advancement in this field can lead to other roles such as: