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Joining Rural Bank means joining a dedicated team of professionals striving for excellence to support the Australian agribusiness sector.


Joining Rural Bank means joining a dedicated team of professionals striving for excellence to support the Australian agribusiness sector.

Would you like to join the Rural Bank team? Rural Bank and Rural Finance are proudly part of the Bendigo and Adelaide Bank group, offering a specialist value proposition to Australian Farmers. To view our current vacancies, you can find them on the Bendigo and Adelaide bank careers page here:

If you have any questions about the careers available at Rural Bank please email

Ag Achievers Graduate Program


Why choose Rural Bank for your graduate program experience?
We are committed to seeing our people thrive and development is in our DNA.  During the Graduate Program you will have opportunities to interact with our Executive team, industry partners and our customers. Each experience is designed to allow you to learn and develop to become the best version of you. 

We provide a personalised Graduate Program, tailored to suit you and your goals, whilst ensuring you enjoy a rounded experience across all areas of our bank. That means you could be working across areas such as Finance, Treasury, Marketing, People and Culture, Credit and Lending, Agribusiness Sales, Risk and more. In addition, there are opportunities to travel across Australia working with teams from the Atherton Tablelands in Far North Queensland to Esperance in Western Australia.

What does it take to be successful at Rural Bank?
You will be passionate about Australian agriculture. You will be committed to learning new things, asking questions and challenging the status quo. You will have loads of enthusiasm, be a self-starter and enjoy building relationships. You will also be prepared to challenge yourself through new experiences. We are an organisation that is dedicated to creating a diverse workforce, embracing the differences we all bring to our communities.

What’s in it for you? What development and career opportunities are available?
If you are looking for a program where you can be yourself and be exposed to exciting and challenging experiences, then this is the program for you. Your skills will be developed and refined through both on the job coaching and mentoring as well as in class room style learning environments. The sky’s the limit: we will actively help you reach your potential through career pathways, skill development and providing you with unique project opportunities. You will form part of an established and constantly evolving program with a supportive graduate community.

Applications for the 2020 program are now open and will close at 5 pm on Friday 26 April 2019. 

For more information please email

Executive Management

Alexandra Gartmann | Chief Executive Officer & Managing Director

Alexandra joined Rural Bank as Managing Director and CEO in October 2015, having been a member of the Board since November 2014. Before joining Rural Bank, Alexandra was CEO of the Foundation for Rural and Regional Renewal (FRRR), a charitable foundation based on a partnership between philanthropy, community, government and business supporting the economic prosperity of rural, regional and remote communities across Australia. Prior to this, Ms Gartmann held the position of CEO of the Birchip Cropping Group for 10 years — a not-for-profit agricultural research organisation based in the Mallee Wimmera region. Alexandra was previously a member of the Board of the Rural Finance Corporation of Victoria, Chair of the CSIRO Agriculture Advisory Council, a member of the Crawford Fund and National Rural Advisory Council. She is a current member of the Prime Minister’s Community Business Partnership, the Australian Farm Institute, the Helen Macpherson Smith Trust and the Victorian Agriculture Advisory Council.

Will Rayner | Chief Financial Officer

Will joined Rural Bank in September 2013, and was appointed Chief Financial Officer in October 2015. He has held executive responsibility for sales, marketing and agribusiness functions at Rural Bank, and prior to 2013 led the capital management, finance business partner, investor relations and corporate affairs teams for Rural Bank’s parent, Bendigo and Adelaide Bank. He grew up on his family’s wheat and sheep farm in the mid-north of South Australia. Will was a 2017 Churchill Fellow, investigating alternative finance structures for Australian family farmers. He is a non-executive director of Community Insurance Solutions Pty Ltd, and Chairman of the SA Dairy Industry Fund. He is a graduate of the Australian Institute of Company Directors, and holds an MBA from the University of Adelaide.

Eileen Schultz | General Manager Operations

Eileen joined Rural Bank in January 2016 as Head of Change and Technology, and was appointed to the Executive team as General Manager Operations in October 2018. Prior to joining Rural Bank, Eileen was Head of Technology Services within Bendigo and Adelaide Bank’s Information Technology Division. Eileen has held a number of senior leadership roles across Bendigo and Adelaide Bank over the last 10 years including Program Management, Product Management, Transformation, Processing and Human Resources, which has provided her with unique experience in leading from people, process, product and technology perspectives.

Malcolm Renney | General Manager Credit and Lending

Malcolm joined Rural Bank in February 2015 as General Manager Credit and Lending bringing financial services experience spanning more than 26 years. Malcolm began his career at NAB, holding roles in relationship management and business development before joining Bendigo and Adelaide Bank in 2005. Since joining the Bank, Malcolm has held senior roles within Portfolio Funding and Credit and Asset Management. As Head of Commercial Credit Risk at Bendigo and Adelaide Bank, Malcolm led a large team of geographically dispersed Credit Managers, successfully implemented many significant improvements to the policy framework and chaired a number of other committees and forums focused on loan portfolio due diligence and improvements to credit practice.

Kate Dalton | Executive Officer

Kate Dalton joined the Rural Bank Executive team in July 2014 following the acquisition by Bendigo and Adelaide Bank Limited of the business and assets of Rural Finance Corporation of Victoria. Kate started with Rural Finance in 2004 and has held a number of roles spanning technology services, business development, strategic planning and transformational change programs. Kate holds a degree in Information Technology and has undertaken further studies with the Australian Institute of Company Directors and in the areas of process reengineering, change and program management disciplines.

Stephen Brown | General Manager Risk

Stephen joined Rural Bank in July 2016 as General Manager Risk. Leading up to this appointment, Stephen had a 15-year history with Rural Finance and Bendigo and Adelaide Bank, including the roles of General Manager Finance and IT with Rural Finance, and Head of Group Assurance within Bendigo and Adelaide Bank. He has a background in accountancy and audit, and has worked for ANZ and KPMG, including roles in Singapore and Europe. Stephen is a registered Company Auditor, a Fellow of the Institute of Chartered Accountants and a Graduate of the Australian Institute of Company Directors. Stephen is a non-executive director of North East Water. Growing up on a family farm, he is passionate about agriculture. He has a strong connection to the farming sector and is committed to his local community through active involvement in a number of sporting clubs and community groups.


  • Graduate blogs

    Graduate blogs

    Meet our current graduates and read about their experiences.