Find the best Home Loan for you
The calculator below helps you determine the interest rate and loan repayment based on your loan amount and product selection. Please speak to an accredited Regional Australia Bank lender to ensure the product you select aligns with your financial goals. The calculator is intended as a guide to help you better understand your options.
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Leadership Team
Our Executive Management Team have been carefully selected to deliver on our promise to our members. Our Board bring a lot of experience to the table.
Executive Management
David brings extensive experience to Regional Australia Bank, with over 30 years working across the finance and banking sector. Throughout his career, David has held executive positions at Cuscal Ltd, Eftpos, Cardtronics and Linfox Armaguard. He has specialised in innovation, technology and payment systems.
Michelle brings a well-rounded wealth of knowledge to the Executive Management team at Regional Australia Bank. She has over 29 years’ experience in the financial sector, 24 of these spent in various Management roles within the Regional Australia Bank. Michelle holds formal qualifications in Business and Human Resource Management, Positive Psychology, Leadership Coaching and is a graduate of the INSEAD Advanced Management Programme.
Julie brings extensive experience to the CIO position, with over 25 years working across the Financial Services and Banking industry, including 15 years at ING Direct before moving to AMP as Director of Bank Operations. Julie also held executive positions at 86400 and uno Home Loans. She is passionate about and has a wealth of experience in developing and delivering outstanding customer experiences.
Les Bailey
Chief Operations Officer
Les has held numerous senior executive roles within the Financial Services Industry and holds a master’s degree in Business Administration (MBA). He brings a wealth of experience to the executive having previously served as a member of the executive management team of Holiday Coast Credit Union as Chief Risk Officer. Les is also a graduate of the Australian Institute of Company Directors.
James has extensive financial management and executive experience across banking and financial services in Australia, Europe and North America. James has accountability across the Finance, Treasury and Corporate Services functions of the bank and is a Fellow of Certified Practising Accountants (FCPA), holding formal qualifications in accounting and finance from the University of New England and FINSIA.
Rachel Mitchell
Chief People & Culture Officer
Passionate about people and seeing them reach their potential, Rachel has 17 years of people and culture experience from Higher Education and organisational psychology consultancy. Rachel has formal qualifications in Business Management and Psychology.
As the Chief Governance & Legal Officer, and with over 23 years in the banking industry, David brings extensive skills and knowledge in areas of governance, legal and compliance. David also holds the position of Company Secretary. He has formal qualification in business, law, governance and is a qualified Company Secretary. David is a graduate of the Harvard Business School (USA), Australian Institute of Company Directors (AICD) and Governance Institute of Australia (GIA).
Campbell Nicoll
Chief Risk Officer
Having over 20 years’ experience in Credit Risk Management, Campbell brings a strong economic background to the Executive Management Team. Prior to his role at Regional Australia Bank, Campbell’s experience within the financial sector include General Manager positions at ASB Bank (New Zealand) and Bank of South Pacific (Fiji).
Chris Stace
Chief Product Officer
With a steadfast background in business planning, strategy and delivery of transformational change programs, Chris brings over 17 years of banking and finance leadership experience to the executive management team. A qualified and experienced leader, Chris has a Bachelor of Business focused in Management and was previously Head of Business Services at Regional Australia Bank.
David Heine
Chief Executive Officer
Michelle Edmonds
Deputy CEO, People & Customer
Julie Armstrong
Chief Information Officer
Les Bailey
Chief Operations Officer
James Harris
Chief Financial Officer
Rachel Mitchell
Chief People & Culture Officer
David Munday
Chief Governance & Legal Officer & Company Secretary
Campbell Nicoll
Chief Risk Officer
Chris Stace
Chief Product Officer
Board of Directors
Graham brings a history of strategy, leadership, risk management and business development to the Board. He has 45 plus years’ experience in the banking sector, 14 of these served as CEO/Managing Director of Credit Union Australia (CUA). Graham is an experienced Director with over 30 years on various Board including within the customer owned banking sector .
Key responsibilities on the Board include Independent non-executive Director, Ex-officio member of the Audit Committee, Corporate Governance Committee and Risk Committee.
Michael Fenech
Board Chair since 2024
Michael brings a broad knowledge of risk management, leadership, and strategy to the Board in broad areas of financial services. Michael has over 40 years' of experience in the banking sector across Australia, operating in roles at Executive and Chief Executive levels. Michael is actively involved as a consultant to many financial institutions and holds various Board positions.
Key responsibilities on the Board include Independent non-executive Director, Chair of Corporate Governance Committee and Board Member.
Jennifer is a non-executive director with over fifteen years of board-level experience and a diverse career forged in the Hunter Region. Jennifer is a Chartered Accountant who has held senior positions with national consulting firms, Pitcher Partners and PwC. She has held board and committee positions with some of the regional NSW’s most significant organisations including Newcastle Permanent, University of Newcastle, Hunter New England Local Health District and Maitland City Council. She is also a Director of the national not for profit organisation, Job Futures Limited trading as CoAct.
Key responsibilities include being an Independent non-executive Director (Board Appointed)
Julie has a strong background in banking, finance, insurance and the not-for-profit sector, and in excess of 25 years in financial services. In her 15 years at Westpac Banking Corporation, Julie led the Structured Finance business within the Treasury Division and served on various Westpac Group subsidiary companies in Australia and the United States. More recently, Julie consulted to KPMG in the Audit, Assurance and Risk Consulting practice with a focus on the financial services industry. She currently serves on the boards of various companies in Australia.
Key responsibilities include being an Independent non-executive Director (Board Appointed).
David Johnson
Board Member since 2016
David has 48 years’ experience working in the banking and business sectors including previously holding senior management positions and company secretary for Holiday Coast Credit Union. Now retired, David brings extensive Board experience in the areas of financial performance, audit, risk and governance. He has been serving on boards in varied industries since 1995. David is a graduate of the Australian Institute of Company Directors.
Key responsibilities on the Board include Independent non-executive Director, being the Chair of the Audit Committee and Board Member.
Sally Mackenzie
Board Member since 2022
Sally is a corporate affairs strategist and brings with her strong credentials in advocacy, government relations and stakeholder engagement. Sally has worked in banking and finance domestically and off-shore for NSW Treasury and as an advisor to the Thai, Philippines and Mongolian governments. She is also an experienced diplomat, having worked in the Australian Embassy in Jakarta and High Commission in Honiara. Sally is passionate about women’s economic empowerment, financial literacy and a firm believer that business can be a force for good and improve the lives of people and communities.
Key responsibilities on the Board include being a Independent non-executive Director, member of the Risk Committee and member of the Audit Committee.
David Rootes
Board Member Since 2006
David brings 17+ years of regional mutual ADI board experience, most recently as Chair of Macquarie Credit Union for the past 3+ years. He also has 35 years’ experience as an IT professional and currently runs his own consulting business.
David has spent the majority of his career across multiple IT and management roles in the electricity distribution industry and has consulted to State Government and Not-for-Profit organisations. He has a passion for regional development and community involvement.
Key responsibilities on the Board include being an Independent non-executive Director and member of the Corporate Governance Committee
Graham Olrich
Board Member since 2011
Michael Fenech
Board Chair since 2024
Jennifer Leslie
Board Member since 2023
Julie Osborne
Board Member since 2023
David Johnson
Board Member since 2016
Sally Mackenzie
Board Member since 2022
David Rootes
Board Member Since 2006