After lifting the restriction of establishing new banks in 2000, domestic financial market becomes highly competitive. The profit, originally coming from deposit and loan, now is obtained from the financial products such as consumer credit business. As a consequence, domestic banks are required to develop credit management personnel in order to enhance quality of loan assets, prevent bad debts occur, and so forth. This study aims to investigate the professional competence and its importance which the staff should possesses in domestic bank credit management. Consider that the great number of targeted subjects scattered around the whole country are difficult to investigate; the paper finally is decided to adopt Modified Delphi technique as a research method. The paper deals with experts who possess the knowledge in the field of credit business, provides opinions and recommendations to collect information on a large number of credit management expertise, business features, service points and other relevant literature performed in order to design the questionnaire compiled through analysis, collection, and induction, expert review. The analyzing questionnaire results in relevant professional competence projects sorted into eight categories, 25 items. Based on such a research, the paper develops educational and training curriculum design and recommendations for HR project of the banking, financial department, financial training institutions, the competent authority, or prepared as serving bank credit management.