About us

Are you looking for a career with endless opportunities? There’s more to us than banking.

P&N; Group is amongst the largest customer-owned banking organisations in Australia, represented by P&N; Bank in Western Australia and BCU Bank in New South Wales and Southeast Queensland. Our purpose is to enrich the lives of our customers and their communities.

With over $8 billion in assets and a head office in Perth and corporate officers in Coffs Harbour and Brisbane, we service over 180,000 customers across Australia from all walks of life supported by over 600 employees in group services, retail banking, broker, and business banking roles.

We believe our culture is a real point of difference, and our values – Focus on Members, Improve & Learn and Trust & Collaborate – are fundamental to our ways of working. We offer a collaborative and inclusive workplace where our people feel a strong sense of belonging, are recognised, invested in, cared for, and are part of something bigger.

As part of our ongoing strategic customer-centric transformation, we’re focused on making it even easier to bank with us for our customers of today and the future.

About the role

P&N; Group is growing our Business Banking team, with an exciting opportunity for an experienced Agribusiness and/or Commercial Relationship Manager to join our Lismore Business Banking Centre. Based in Lismore and supporting customers across the Northern Rivers, this role will be eligible for hybrid working arrangements.

You will manage and grow a portfolio of Agribusiness and Commercial customers, building long-term relationships through exceptional service and an understanding of their businesses. With a focus on lending and business development, you will help customers meet their banking needs and pursue their business goals.

A key focus will be supporting farming enterprises and agricultural businesses across Lismore and the Northern Rivers. You will take the time to understand each customer’s operations, production cycles and seasonal funding needs, building practical banking solutions and long-term relationships through regular customer engagement and on-farm visits.

Reporting directly to the State Manager, Business Banking, you will build trusted and profitable relationships with farming enterprises and/or Commercial/SME customers. Your networking skills and community connections will help you develop new business opportunities and strengthen our presence in Lismore and the Northern Rivers.

Responsibilities include:

- Manage and grow an Agribusiness and Commercial/SME portfolio, achieving agreed lending and portfolio growth outcomes while maintaining strong credit quality and customer relationships.




- Contribute to the achievement of the Business Banking strategy by delivering individual and team growth and lending objectives while optimising credit quality and client service
- Maintain accurate CRM and portfolio data in line with organisational policy to support customer relationship management, portfolio reviews and business development
- Understand customers’ farming operations, production cycles, seasonal cash flow and working capital requirements, alongside the needs of local businesses. Consider commodity price movements, weather-related risks and industry trends when identifying suitable Agribusiness and SME banking solutions
- Assess customers’ financial position, cash flow and lending requirements to develop suitable Agribusiness and SME solutions within our Risk Appetite Statement, Credit Policy and regulatory standards
- Handle Agribusiness and Commercial lending enquiries efficiently and competently, using proactive relationship management and excellent customer service to retain and deepen customer relationships
- Review established guidelines, identify, and make appropriate recommendations for improvement opportunities that will improve efficiencies or effectiveness of processes as required
- Build and maintain a strong new business pipeline by developing local connections and referral relationships with accountants, brokers and other professional advisers serving Agribusiness and SME customers
- Maintain ongoing oversight of portfolio credit quality and customer needs, ensuring banking solutions remain aligned with our Risk Appetite Statement, Credit Policy and regulatory standards
- Actively participate in local community, agricultural and business networking events to build relationships with existing and prospective customers and third-party introducers across Lismore and the Northern Rivers
- Be a brand ambassador and uphold the brand promise and service standards
- Build our profile as a relationship-led Agribusiness and Commercial banking provider in Lismore and the Northern Rivers, within defined industry and risk parameters
- Management responsibility / mentoring and direction of an Assistant Relationship Manager

What will you bring?

- Experience in Agribusiness and/or Commercial Relationship management and lending, with a strong understanding of farming enterprises, agricultural production cycles and seasonal funding needs, as well as the needs of small and medium-sized businesses.
- Demonstrated business banking and credit skills,



together with the ability to build trusted customer relationships and develop new business through local networks and referral partners.
- Ability to engage confidently with farmers and agricultural business owners, build relationships through on-farm visits, and develop referral networks with rural accountants, agricultural advisers and other local industry contacts.
- Ability to undertake complex financial analysis and credit assessment, including understanding seasonal cash flows and the risks affecting Agribusiness and SME customers.
- Highly motivated and goal orientated
- Ability to work independently
- Strong communication, interpersonal and presentation skills
- Proven negotiation and problem-solving skills
- Exceptional organisational skills and ability to multi-task
- Tertiary Qualifications in business, commercial or finance are desirable.
- Current Driver’s Licence

What we can offer you

There’s life at work, and life outside of work – and we understand that.

P&N; Group is committed to creating a satisfying and fulfilling working environment, offering employee benefits and development opportunities that reward and help you perform to your potential and expand your experience and learning.

To help you live your best life through work, we offer an extensive range of employee benefits.

- Work for a national multi-brand, customer-focused organisation
- Enjoy adaptable work arrangements
- An incentive scheme for exceptional performance
- Be supported with leadership and professional development
- 12 weeks paid parental leave for the primary care giver, and three weeks for the non-primary care giver
- Generous discounts on home loans, personal loans, insurance and other banking products and services
- Up to two weeks’ additional purchased leave per year
- Two days’ paid volunteer leave each year to use with a community partner of your choice
- An Employee Assistance Program

At P&N; Group, we want to leverage the numerous benefits and innovative gains that a diverse workforce brings, and especially the high engagement that comes from a culture built on belonging and inclusion. We encourage people of all abilities, backgrounds, identities, ages and cultures to apply.

If you need assistance or require flexibility to be able to fully participate in the application process, please email us at ***********@pnbank.com.au

To find out more about what it’s like to work with us, visit https://www.bcu.com.au/careers.

If you believe you meet the selection criteria, and could add value to our Business Banking team, we would love to hear from you.

Please apply with your current resume and a cover letter outlining your skills and experience by 11/12/2026.

(Please note that candidate screening and interviews may be completed prior to advertisement closure date.)

📌 Relationship Manager - Lismore
🏢 BCU Bank
📍 Lismore