Quick answer: Credit and Loans Officers (Aus) \ Finance Clerks (NZ) are moderately stress-exposed compared with other Australian occupations — ranked #148 of 317 by workplace mental health hazard exposure, with a composite stress score of 47.6/100 against a national average of 47.4. The biggest drivers are pace and demands and precision and monotony.
Credit and Loans Officers (Aus) \ Finance Clerks (NZ) stress profile vs the national average
Each occupation is scored across six categories of workplace mental health hazard, built from 22 stress factors identified in SafeWork Australia's occupational hazards data. Higher scores mean greater exposure.
- Emotional demands41.3 vs 37.9 avg
- Responsibility burden63.1 vs 60 avg
- Pace and demands65.9 vs 56 avg
- Lack of control14.8 vs 24.5 avg
- Precision and monotony74.4 vs 67.7 avg
- Physical environment25.9 vs 38.2 avg
Scores range 0–100; higher = more stress-inducing. Source: SafeWork Australia Beta Occupational Hazards Dataset.
What drives the score for credit and loans officers (aus) \ finance clerks (nz)
Compared with the average Australian occupation, credit and loans officers (aus) \ finance clerks (nz) score furthest above the norm on pace and demands (65.9 vs 56 average), precision and monotony (74.4 vs 67.7 average) and emotional demands (41.3 vs 37.9 average). The single biggest individual stress factor is frequency of decision making at 95/100 — against an all-occupation average of 70.7.
The occupation scores below the national average for physical environment (25.9 vs 38.2) and lack of control (14.8 vs 24.5), which moderates the overall ranking.
See how this compares across all 317 Australian occupations, ranked by stress score.
The biggest stress factors for credit and loans officers (aus) \ finance clerks (nz)
- 1Pace and demands
Frequency of Decision Making
95/100
All-occupation average: 70.7
- 2Precision and monotony
Importance of Being Exact or Accurate
87.5/100
All-occupation average: 78.6
- 3Responsibility burden
Impact of Decisions on Co-workers or Company Results
87.2/100
All-occupation average: 70.4
- 4Pace and demands
Time Pressure
78/100
All-occupation average: 71.6
- 5Pace and demands
Level of Competition
76.5/100
All-occupation average: 52.4
All 22 stress factors for credit and loans officers (aus) \ finance clerks (nz)
The complete scorecard: every stress factor measured for this occupation, grouped into the six categories, with the all-occupation average alongside.
Emotional demands
41.3 vs 37.9 avg- Deal With Physically Aggressive People11.2 vs 14
- Deal With Unpleasant or Angry People58 vs 50.4
- Frequency of Conflict Situations54.8 vs 49.3
Responsibility burden
63.1 vs 60 avg- Responsibility for Outcomes and Results65 vs 58.5
- Responsible for Others' Health and Safety40.8 vs 57.3
- Impact of Decisions on Co-workers or Company Results87.2 vs 70.4
- Consequence of Error50.2 vs 49
- Coordinate or Lead Others72.5 vs 64.9
Pace and demands
65.9 vs 56 avg- Time Pressure78 vs 71.6
- Duration of Typical Work Week71 vs 62.1
- Pace Determined by Speed of Equipment9 vs 23.1
- Frequency of Decision Making95 vs 70.7
- Level of Competition76.5 vs 52.4
Lack of control
14.8 vs 24.5 avg- Lack of Autonomy to Make Decisions14.2 vs 23.6
- Amount of Highly Structured Work15.2 vs 25.3
Precision and monotony
74.4 vs 67.7 avg- Importance of Repeating Same Tasks61.2 vs 56.9
- Importance of Being Exact or Accurate87.5 vs 78.6
Physical environment
25.9 vs 38.2 avg- Sounds and Noise Levels Are Distracting or Uncomfortable48 vs 52.3
- Extremely Bright or Inadequate Lighting11.2 vs 24.9
- Very Hot or Cold Temperatures7.5 vs 32.4
- Exposed to Disease or Infections9.2 vs 20.2
- Physical Proximity53.5 vs 61.1
Understand these hazards
The elevated stress categories for credit and loans officers (aus) \ finance clerks (nz) map to recognised psychosocial work factors under ISO 45003 and Australian WHS legislation. Learn what each one is and how it can be controlled:
- Exposure to Violence →Whether workers face the risk of physical or verbal aggression at work.
- Exposure to Trauma →Whether workers encounter traumatic events or material as part of their role.
- Work Interaction →The quality of relationships and interactions within the team and organisation.
- Work Demands →The volume, pace, and complexity of what is asked of workers.
- Role Clarity →Whether workers clearly understand what is expected of them.
- Leadership →The quality and consistency of management behaviour at all levels.
Methodology
Clearhead scored 317 occupations in the Australian and New Zealand Standard Classification of Occupations (ANZSCO) using SafeWork Australia's Beta Occupational Hazards Dataset. We kept only the 22 hazard variables relating to mental health — such as conflict exposure, decision-making pressure, and time pressure — and deliberately excluded physical safety risks like working at height.
The 22 variables are grouped into six categories: emotional demands, responsibility burden, pace and demands, lack of control, precision and monotony, and physical environment. An occupation's composite score is the equally weighted average of its six category scores. All scores run 0–100, where higher means more stress-inducing.
Two control-related variables are reported by SafeWork with inverted polarity (“freedom to make decisions” and “structured versus unstructured work”). We reverse these and present them as lack of autonomy to make decisions and amount of highly structured work, so that a higher score consistently indicates greater stress exposure.
Hazard exposure describes the average conditions of an occupation, not any individual's experience — everyone has a different tolerance for these challenges, and conditions vary between workplaces.
Frequently asked questions
Credit and Loans Officers (Aus) \ Finance Clerks (NZ): how stressful is the job?
Credit and Loans Officers (Aus) \ Finance Clerks (NZ) rank #148 out of 317 Australian occupations for workplace mental health hazards, with a composite stress score of 47.6/100 against a national average of 47.4. That makes the occupation more stress-exposed than 53.3% of Australian jobs.
What are the biggest mental health stress factors for credit and loans officers (aus) \ finance clerks (nz)?
The highest-scoring hazards are frequency of decision making (95/100), importance of being exact or accurate (87.5/100) and impact of decisions on co-workers or company results (87.2/100). Overall, the occupation scores above the national average in emotional demands, responsibility burden, pace and demands and precision and monotony.
Which stress factors are lower for credit and loans officers (aus) \ finance clerks (nz)?
Credit and Loans Officers (Aus) \ Finance Clerks (NZ) score below the national average for lack of control (14.8 vs 24.5 average) and physical environment (25.9 vs 38.2 average), which partially offsets the higher-scoring hazards.
Where does this data come from?
Scores are derived from SafeWork Australia's Beta Occupational Hazards Dataset. Clearhead filtered the dataset to the 22 mental-health-related hazard variables — excluding physical safety risks — and scored 317 ANZSCO occupations across six categories: emotional demands, responsibility burden, pace and demands, lack of control, precision and monotony, and physical environment.
Beyond the average
This is the average hazard exposure for credit and loans officers (aus) \ finance clerks (nz). Your workforce isn't average.
Clearhead's Psychosocial Risk Pulse measures the actual psychosocial risk in your organisation, quarterly — across 18 ISO 45003-aligned work factors.