Agribusiness Analyst

AgLend Finance; Toowoomba Regional; Remote; AUD 120,000 - 180,000; Full time

Benefits offered by this job

Remote work

Flexible work arrangements

Job summary

AgLend Finance seeks a senior support analyst to join the agribusiness lending team. You will perform analysis behind rural lending submissions, without managing client relationships or portfolios, and work from home across Australia.

You will build cash flow models, assess servicing and security, prepare credit submissions, and form independent views on transactions, with a focus on accuracy and transferability of work.

Qualifications

• 10 or more years in banking or finance, with agribusiness or rural credit and analysis.
• Experience as agribusiness analyst or agri credit analyst or regional agribusiness team analyst.
• Ability to build agricultural cash flow and write a credit submission unsupervised from day one.
• Working knowledge of Australian lending policy, security, equity and servicing assessment.
• Ability to read farm financials and form your own view of the business.

Responsibilities

• Analyse client financial information — historical financials, forward cash flow budgets, statements of position, tax returns and verification documents.
• Build multi-year agricultural cash flow models from primary source documents.
• Complete servicing and serviceability modelling, and assess equity, security and structure.
• Prepare credit submissions and credit memorandums to a standard that stands up to a credit team’s scrutiny.
• Form a view on which lenders suit a transaction, and why.
• Exercise pricing-versus-approval judgement — knowing when to push a lender on price, and when securing the approval is the win.
• Support files through lodgement, conditional approval, formal approval and settlement.
• Verify figures against source before relying on them.
• Keep your work transferable: a colleague opening your file should know what is done, what is next.

Job description

AgLend Finance has been helping farmers, graziers and commercial business owners since 2001, providing custom‑built farm finance solutions for each unique borrower. Founded and based in Queensland, we continue to grow, expanding our services across the country. We pride ourselves on our focus on our clients, their individual needs and circumstances, and of our understanding of the rural farming sector.

We are a growing business and are seeking an additional analyst to join our team on either a full‑time or part‑time basis.

About the role

This is a support analyst role, and it is a senior one.

You will work alongside our senior agribusiness managers, doing the analysis and credit work that sits behind rural lending submissions. You will not carry a portfolio, you will not have a sales target, and you will not be managing client relationships. The analysis is the job.

If you have spent years as an agribusiness analyst or in agri credit — supporting agribusiness managers, building the numbers, writing the submissions — this will be familiar work in an unfamiliar setting: from home, without a branch.

What you will do

Analyse client financial information — historical financials, forward cash flow budgets, statements of position, tax returns and verification documents.

Build multi‑year agricultural cash flow models from primary source documents.

Complete servicing and serviceability modelling, and assess equity, security and structure.

Prepare credit submissions and credit memorandums to a standard that stands up to a credit team’s scrutiny.

Form a view on which lenders suit a transaction, and why.

Exercise pricing‑versus‑approval judgement — knowing when to push a lender on price, and when securing the approval is the win.

Support files through lodgement, conditional approval, formal approval and settlement.

Verify figures against source before relying on them, including figures prepared by others.

Keep your work transferable: a colleague opening your file should be able to see what is done, what is next, and what is holding it up.

What you will bring

We are looking for a long history in this work, not a promising start.

10 or more years in banking or finance, with a substantial runin agribusiness or rural credit and analysis.

A background as an agribusiness analyst, agri credit analyst, business analyst in a regional and agribusiness team, or agribusiness associate — supporting senior agribusiness or rural managers.

The ability to build an agricultural cash flow and write a credit submission unsupervised, from day one, on a complex multi‑entity farming business.

A working knowledge of Australian lending policy, security, equity and servicing assessment.

The ability to read a set of farm financials and form your own view of the business behind them.

Willingness to raise a priority conflict or a capacity limit early. We ask this of everyone, and it will never count against the person who does it.

Formal qualifications are welcome but not required. What matters is what you have actually done.

What we offer

Remote, work‑from‑home and flexible work options - this role can be undertaken anywhere in Australia, and we are happy to discuss either full‑time or part‑time employment. Tell us in your application what arrangement suits you. A remuneration package will be negotiated.

As a small and growing business, we are flexible in the way we operate.

Aglend Finance is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees.

Applications close Thursday 24 September 2026. We review applications as they arrive.