Closing date: Friday 12 June 2026

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.


About the opportunity

As the Credit Manager Agri Direct, you will help support the Bank’s objectives by balancing traditional credit disciplines with innovative approaches—think automation and AI, to enhance our credit decision making processes and portfolio management. Reporting to the Senior Manager Business & Agri Direct Credit, you will exercise sound commercial judgment consistent with our credit risk policy framework, ensuring that lending decisions empower our agricultural communities.


In this role you’ll get to…

• Exercise Lending Authority: Use your own Delegated Lending Authority (DLA) to decision agribusiness lending applications.
• Shape Credit Practices: Manage the setting and issuance of DLAs to frontline lending businesses and contribute to the development of our DLA assessment framework.
• Drive Policy & Strategy: Contribute to Credit Policy maintenance, address emerging credit risk issues, and support the design of commercial credit risk strategies that improve customer experience.
• Build Core Relationships: Act as a key partner and collaborate closely with the Senior Manager Agribusiness Direct, Business & Agribusiness Leaders, and Group Risk Leaders to introduce changes and champion a contemporary risk management framework.
• Manage Portfolios: Work alongside specialised business units to ensure non-performing loans and portfolios are appropriately re-graded and managed within required timeframes.
• Ensure Compliance: Guarantee that underwriting practices comply with all relevant laws, requirements, and internal bank policies.

What you’ll bring to the role

To be successful in the role you will have:

• Agribusiness Expertise: Proven experience in an Agribusiness credit risk or lending role, preferably with experience exercising a Delegated Lending Authority.
• Risk & Regulatory Knowledge: A deep understanding of credit risk management strategies, bank policies, and the overall regulatory and lending environment that banks operate within.
• Financial Acumen: A strong ability to accurately interpret and analyse complex financial statements.
• Stakeholder Engagement: Excellent interpersonal and written communication skills with a proven track record of influencing stakeholders and building strong, collaborative relationships.
• Forward-Thinking Mindset: A keen interest in emerging technologies, including automation and AI in credit risk, to actively challenge the status quo.

This is a permanent, full-time opportunity. For the right candidate, we are open to this role being based out of any of our major Head Office locations.

We offer flexible work options that put our people first, working in a hybrid model with a minimum local Head Office attendance requirement determined by your Leader, to find a rhythm that works best for you and your team. We believe that coming into the office some of the time is the best way to learn, stay connected and collaborate effectively, especially for key activities like team days, 1:1s, and town halls.


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? Flexible hours? A compressed work week? Flexibility means different things for different people and our flexible work options are designed to suit your life.
• Health and wellbeing support, including discounted gym memberships, private health insurance options, and our Employee Assistance Program (EAP) for you and your immediate family members.
• Opportunities to take your learning to the next level through our corporate university ‘BEN U’ or at an external provider of your choice

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!

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

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.

We are committed to responding to all candidates. Please note shortlisting and interviews may take place prior to the advertised close date, so don't delay: apply now!