UNIT GROUP 5522信贷人员（澳）/财务文员（新西兰）CREDIT AND LOANS OFFICERS (AUS) / FINANCE CLERKS (NZ)

CREDIT AND LOANS OFFICERS (AUS) / FINANCE CLERKS (NZ) analyse, evaluate and process credit and loan applications.信贷人员（澳）/财务文员（新西兰）分析，评估和处理信用卡和贷款申请。

技能要求 Indicative Skill Level：

Most occupations in this unit group have a level of skill commensurate with the qualifications and experience outlined below.

本组中大多数职业有相当的技能水平与下述资质和经验。

In Australia:在澳大利亚：

AQF Certificate II or III (ANZSCO Skill Level 4)

AQF证书II或III（ANZSCO 4级水平）

In New Zealand:在新西兰：

NZ Register Level 2 or 3 qualification (ANZSCO Skill Level 4)

新西兰注册2级或3级资质（ANZSCO 4级水平）

At least one year of relevant experience may substitute for the formal qualifications listed above. In some instances relevant experience and/or on-the-job training may be required in addition to the formal qualification.一年以上相关经验可以代替上述资格。在某些情况下，相关经验和/或培训可能是除了正式的资格要求。

主要职责 Tasks Include：

• analysing information about customers and examining references, credit ratings, investment risks, pay slips and other information against predetermined policy standards

•分析客户的信息和研究参考，信用评级，投资风险，工资单和其他信息与预定的政策标准

• contacting financial and credit institutions to obtain information about customers

•接触金融信贷机构获得的客户信息

• preparing papers setting out conditions of credit and loans, rates of repayment and loan periods, and providing information about customers' standing to financial and credit institutions

•准备文件设置的信用和贷款条件，贷款的还款期限，利率和金融信贷机构提供关于客户的信息站

• authorising the approval of credit and loan applications and recommending credit and loan conditions and limits

•授权信用审批和贷款申请和推荐的信用和贷款条件和限制

• keeping records of payments, and preparing routine letters requesting payment for overdue accounts and forwarding these for legal action

•记录付款，并准备日常信函请求付款，逾期帐款转发这些法律行动

• answering inquiries concerning credit standing of customers, loan balances and penalties

•回答有关客户信用调查，贷款余额和处罚

• may recommend, approve and arrange mortgages

•可能建议，批准并安排贷款

• may work in a call centre

•可能在呼叫中心工作

Occupation:职业：

552211信用或贷款人员（澳）/财务文员（新西兰）Credit or Loans Officer (Aus) / Finance Clerk (NZ)

Alternative Titles:其他名称：

Lending Consultant贷款顾问

Loans Consultant贷款顾问

Loans Officer贷款员

Analyses, evaluates and processes credit and loan applications. May work in a call centre.分析，评估和处理信用和贷款申请。可以在一个呼叫中心的工作。

Skill Level: 4技能要求：4