• Help enable prosperity and sustainability in Australian communities
• Join a team that genuinely cares, values you and is always getting more diverse
• Countless ways to flex your hours and days to make work work your way

We’ve never been ‘just a bank’. Just like you should never be ‘just an employee’. We’re united in our belief that in banking, better can be bigger, and together we’re making it happen.

It starts here. With Bendigo Bank… and you.

As a Senior Lending Analyst, you will be part of a national credit team who work collaboratively with our customer facing Agribusiness Relationship Managers and Associates. 

Internally, your core focus will be the accurate completion of credit assessments including the preparation of complex credit memorandums and related analysis and covering all credit events. Externally, you will demonstrate a clear customer centric approach to ensure we meet our SLAs and help our customers thrive in their personal and professional lives by fulfilling their financial goals.

You will have the opportunity to expand your internal networks across various teams including credit and sales, attending development sessions including deal workshops and MCDC meetings. Most importantly with significant support from our leaders, coach’s and SMEs, you will develop and refine your own credit writing and analytical skills to help advance your banking career.

In this role you will get to do:

• Lead complex agribusiness loan applications: Manage the entire lifecycle, from initial assessment and financial analysis to final settlement, for loans up to $50 million.
• Develop and mentor junior analysts: Provide expert guidance and training on financial analysis, credit writing, and risk assessment, fostering a high-performing team.
• Conduct in-depth financial analysis: Evaluate complex financial statements, cash flows, and collateral to assess creditworthiness and mitigate risk for large agribusiness clients.
• Champion best practice credit risk management: Maintain an expert understanding of relevant regulations and industry trends, ensuring compliance and proactively identifying emerging risks.
• Enhance your expertise: Continuously develop your skills in agricultural finance, credit analysis, and risk management to stay ahead of industry changes.
• Drive strategic growth within the Agribusiness lending portfolio: Stay up to date with industry trends, policies and regulations – broadening your knowledge of agricultural markets, commodity and property values and market trends to strengthen our strategy.

What you’ll bring to the role

To succeed in this role, you will have:

• Experience in financial analysis and interpretation of financial statements is required.
• An understanding of the Australian agricultural sector, seasonal conditions and client structures would be highly desirable.

We would also love you to have:

• A passion for coaching others and a desire to make a difference in the professional development of your peers.
• Strong written and verbal communication skills to effectively build relationships with internal stakeholders.
• Sound reasoning and problem-solving skills – demonstrated as the ability to identify a challenge and find a solution that is win-win for the business and customer.
• Tertiary qualification in Business, Commerce, Finance or similar would be beneficial.

This is a permanent full time. Hybrid ways of working are core to how we operate today with 60% of your work week spent based in any Head Office or Regional Office nationwide.

So, why work with us?

• Want big impact that matters? Here, you’ll know your work directly benefits the customers and communities we all serve.
• Want to be more than just a number? Join a team that truly values you – and that gets more and more diverse, every day.
• Want career opportunity AND flexibility? Achieve both here, where we know that balance and progression go hand in hand.

You’ll also get access to a great range of benefits, including:

• Hybrid work? Our flexible work options are designed to suit your life – talk to us about what flexibility means to you.
• Health and wellbeing support, including discounted gym memberships, and private health insurance options.
• Take your learning to the next level through opportunities like our corporate university ‘BEN U’ or at an external provider of your choice.

We’re making better, bigger. And we’ll get there with you.

Apply now! Now’s the time to set your sights even higher – on the future you and the future career you deserve!

We are committed to responding to all candidates, regardless of the outcome of your application.

Position Description:  Senior Lending Analyst

We believe a diverse workforce supported by an inclusive culture is central to our success and we actively encourage applications from those who bring diversity of thought to our business. We support candidate requests for adjustment to accommodate an illness, injury, or disability to equitably participate in the selection process.

Still in two minds?  

Research suggests 60% of women and underrepresented groups might stop here, even after getting as far as drafting an application. We believe that diversity makes every team stronger, so even if you don’t tick every box we still want to see your application!