Senior Manager Business Credit, Agri | Brisbane | BOQ
BOQ Group
Date: 2 days ago
City: Brisbane, Queensland
Contract type: Full time
About The Role
Are you passionate about agribusiness and credit risk management? Are you looking for a pivotal role where you can support sustainable agricultural growth while safeguarding the bank’s lending portfolio? We have an exciting opportunity for you to join our team as an Agribusiness Senior Credit Risk Manager.
As a key member of our team, your primary purpose will be to assess, structure, and make decisions on credit submissions within the agribusiness portfolio, in line with BOQ’s risk appetite and strategic objectives. You will exercise an appropriate Delegated Approval Authority (DAA) or escalate submissions to the relevant DAA holder, ensuring a strong credit culture and sound portfolio outcomes
Your Key Responsibilities:
To succeed in this role, you will bring extensive experience in agribusiness credit risk management, including exercising credit approval authority within a financial institution or specialised rural lending environment. Your deep understanding of agricultural production systems, commodity markets, and seasonal cash flows enables you to assess complex lending scenarios and make informed, balanced credit decisions.
You possess strong financial acumen and are highly skilled in interpreting farm and agribusiness financial statements, including trading results, cash flow forecasts, and asset positions. You’re adept at evaluating multi-entity structures, succession planning arrangements, and off-farm income streams, with a strong appreciation for land and asset valuations, livestock trading risks, and climate or biosecurity impacts.
Your thorough knowledge of banking policies, prudential standards, and credit risk frameworks ensures your decisions align with regulatory expectations and BOQ’s risk appetite. You bring a solutions-focused mindset, consistently developing tailored credit strategies that reflect sound risk mitigation and long-term viability for clients.
As a confident communicator and trusted adviser, you engage effectively with Relationship Managers, clients, valuers, and internal stakeholders. You have a proven ability to influence outcomes, deliver clear reports, and contribute meaningfully to credit discussions and forums. Highly collaborative yet self-directed, you manage competing priorities while keeping a strong focus on commercial and customer-centric outcomes.
About Us
BOQ Group is a truly unique group of challenger brands with a purpose – to provide a genuine alternative to Australian financial services for customers and employees.
Our family of brands (Bank of Queensland (BOQ), ME Bank, Virgin Money Australia, BOQ Specialist), each come with their own defined customer audience and brand personality, but share one goal – to build social capital through banking. That’s creating trust with customers, exploring staff potential and believing that tiny gestures and big ideas can change the world for communities.
BOQ Group’s inclusive vision is to foster a workspace that values and leverages difference and creates new possibilities, a place where our people feel confident to bring their best selves to work every day. We embrace difference and believe that our workforce should reflect the customers and communities that we serve.
Since 2021, BOQ Group is recognised as an Employer of Choice for Gender Equality by the Workplace Gender Equality Agency (WGEA).
In 2023, we successfully implemented an innovative Reconciliation Plan, driving positive change and promoting inclusivity across BOQ Group.
Our Benefits
At BOQ Group, we are passionate about creating an exceptional work environment that nurtures both your professional and personal growth. Our comprehensive benefits package is designed to enhance your well-being, provide financial security, and foster a sense of community and inclusion. Here are just some of the fantastic perks you can enjoy as part of our team:
How To Apply
To apply for this role at #boqgroup #grouprisk, follow the links or apply via our Careers Page.
BOQ Group is committed to diversity and an inclusive workforce. Aboriginal and Torres Strait Islander People are encouraged to apply.
We celebrate, value and include people of all backgrounds, gender and expressions, sexualities, cultures, bodies and abilities. When you apply, you are welcome to tell us the pronouns you use and please let us know any reasonable adjustments you may need during the interview process.
If you are successful for a role with BOQ Group, it is a condition of employment that background screening is completed to ensure that the Bank complies with its obligations under the Anti-Money Laundering and Counter Terrorism Financing Act. These checks may include, but are not limited to: identity, verification, reference checks, criminal background checks, immigration checks, verification of academic qualifications, bankruptcy checks.
Please no agency applications.
Are you passionate about agribusiness and credit risk management? Are you looking for a pivotal role where you can support sustainable agricultural growth while safeguarding the bank’s lending portfolio? We have an exciting opportunity for you to join our team as an Agribusiness Senior Credit Risk Manager.
As a key member of our team, your primary purpose will be to assess, structure, and make decisions on credit submissions within the agribusiness portfolio, in line with BOQ’s risk appetite and strategic objectives. You will exercise an appropriate Delegated Approval Authority (DAA) or escalate submissions to the relevant DAA holder, ensuring a strong credit culture and sound portfolio outcomes
Your Key Responsibilities:
- Credit Analysis & Structuring: Assess, analyse, and structure complex agribusiness lending proposals, including seasonal finance, equipment funding, and rural property transactions. Apply sound judgment considering agricultural cycles, commodity risks, climate variability, and regional factors.
- Portfolio Oversight: Conduct regular reviews to ensure risk ratings remain accurate and reflect the financial and operational performance of customers. Identify early warning signs and take pre-emptive action when required.
- Remedial Action: Proactively identify and implement strategies to manage and mitigate credit deterioration, ensuring exposures remain within the Bank’s risk appetite while supporting long-term client relationships.
- Documentation & Compliance: Ensure all loan documentation accurately captures the conditions of approval and complies with relevant policies, regulations, and agribusiness standards.
- Collaboration & Influence: Act as a trusted advisor to Relationship Managers, providing guidance on credit structuring and risk mitigation strategies tailored to the agricultural sector. Contribute to credit forums and pipeline meetings to support proactive decision-making.
- Coaching & Development: Support a high-performing credit culture by coaching colleagues and sharing knowledge on agribusiness lending practices, financial analysis, and sector-specific risks.
- Stakeholder Engagement: Collaborate closely with front-line teams and business development specialists to align credit decisions with business strategy, customer needs, and market opportunities. Champion a “one-team” approach with open, empathetic communication.
To succeed in this role, you will bring extensive experience in agribusiness credit risk management, including exercising credit approval authority within a financial institution or specialised rural lending environment. Your deep understanding of agricultural production systems, commodity markets, and seasonal cash flows enables you to assess complex lending scenarios and make informed, balanced credit decisions.
You possess strong financial acumen and are highly skilled in interpreting farm and agribusiness financial statements, including trading results, cash flow forecasts, and asset positions. You’re adept at evaluating multi-entity structures, succession planning arrangements, and off-farm income streams, with a strong appreciation for land and asset valuations, livestock trading risks, and climate or biosecurity impacts.
Your thorough knowledge of banking policies, prudential standards, and credit risk frameworks ensures your decisions align with regulatory expectations and BOQ’s risk appetite. You bring a solutions-focused mindset, consistently developing tailored credit strategies that reflect sound risk mitigation and long-term viability for clients.
As a confident communicator and trusted adviser, you engage effectively with Relationship Managers, clients, valuers, and internal stakeholders. You have a proven ability to influence outcomes, deliver clear reports, and contribute meaningfully to credit discussions and forums. Highly collaborative yet self-directed, you manage competing priorities while keeping a strong focus on commercial and customer-centric outcomes.
About Us
BOQ Group is a truly unique group of challenger brands with a purpose – to provide a genuine alternative to Australian financial services for customers and employees.
Our family of brands (Bank of Queensland (BOQ), ME Bank, Virgin Money Australia, BOQ Specialist), each come with their own defined customer audience and brand personality, but share one goal – to build social capital through banking. That’s creating trust with customers, exploring staff potential and believing that tiny gestures and big ideas can change the world for communities.
BOQ Group’s inclusive vision is to foster a workspace that values and leverages difference and creates new possibilities, a place where our people feel confident to bring their best selves to work every day. We embrace difference and believe that our workforce should reflect the customers and communities that we serve.
Since 2021, BOQ Group is recognised as an Employer of Choice for Gender Equality by the Workplace Gender Equality Agency (WGEA).
In 2023, we successfully implemented an innovative Reconciliation Plan, driving positive change and promoting inclusivity across BOQ Group.
Our Benefits
At BOQ Group, we are passionate about creating an exceptional work environment that nurtures both your professional and personal growth. Our comprehensive benefits package is designed to enhance your well-being, provide financial security, and foster a sense of community and inclusion. Here are just some of the fantastic perks you can enjoy as part of our team:
- Flexible working arrangement - Balance your work and personal life with ease.
- Discounted financial products - Enjoy exclusive rates on our financial services across the Group.
- Salary sacrificing options - Maximise your take-home pay with our salary packaging options.
- Paid parental leave with no minimum requirements - Spend quality time with your new family member without any worries.
- Purchase additional annual leave - Need more time off? You can buy extra leave days.
- Discounted private health insurance plan - Take care of your health with our special rates.
- Employee Assistance Program (EAP) - Access confidential support for personal and professional challenges for you and your family
- Access to employee network groups - Connect with peers through our First Nations Reconciliation, LGBTQIA+, Multicultural, Gender, Early Careers, and accessibility groups.
- Pride in Diversity membership: We are proud members of Pride in Diversity and actively participate in the Australian Workplace Equality Index.
How To Apply
To apply for this role at #boqgroup #grouprisk, follow the links or apply via our Careers Page.
BOQ Group is committed to diversity and an inclusive workforce. Aboriginal and Torres Strait Islander People are encouraged to apply.
We celebrate, value and include people of all backgrounds, gender and expressions, sexualities, cultures, bodies and abilities. When you apply, you are welcome to tell us the pronouns you use and please let us know any reasonable adjustments you may need during the interview process.
If you are successful for a role with BOQ Group, it is a condition of employment that background screening is completed to ensure that the Bank complies with its obligations under the Anti-Money Laundering and Counter Terrorism Financing Act. These checks may include, but are not limited to: identity, verification, reference checks, criminal background checks, immigration checks, verification of academic qualifications, bankruptcy checks.
Please no agency applications.
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