Meet the Local Financing Experts

Errol Bambrick

Director

Errol has worked in banking and finance since 1980, partnering with financial institutions across Queensland. He has extensive experience throughout West and North West Queensland and the Northern Territory, with strong industry knowledge spanning cotton, cane, sheep and small crops across the Burdekin, Lockyer Valley, Central Highlands and South West Queensland.

Errol joined Esdale Sinclair & Associates in 2012 and values working on the client side of the desk to achieve the best possible outcomes. Since joining ES&A, he has expanded the client base to include large grazing enterprises, property developers and rural contractors. With many clients no longer seeing bank managers on-farm, Esdale Sinclair & Associates (ES&A) offers a hands-on approach, including annual on-farm or business visits, cashflow analysis, bank negotiations and succession planning, supported by trusted legal and accounting partners. Backed by a combined 200 years of banking and finance experience, the ES&A team helps guide clients through an increasingly complex banking system.

Building strong relationships and helping clients secure a better future for their businesses and families is what Errol values most.

Errol is proud of the support ES&A has been able to give to community through sponsorships including the Royal Flying Doctor Service, Helicopter Rescue Service and the Black Dog Institute, along with numerous local charities and community groups.

Bob Lawrence

Director

With a strong foundation built over his years in banking, Bob has been a highly trusted part of the team since 2020. Bob works closely with farmers, small to medium-sized enterprises (SMEs) and larger corporate clients, providing practical, well-structured finance solutions that support both day-to-day operations and long-term growth. 

Specialising in commercial finance, equipment finance, and agribusiness, Bob has extensive experience navigating complex business and ownership structures, including family enterprises, trusts, partnerships, and multi-entity operations. His deep understanding of lender requirements and policy allows him to structure finance in a way that aligns with each client’s business realities.

For SMEs, Bob also plays a critical role in assisting with cash flow requirements, helping businesses manage seasonal fluctuations, working capital needs, and expansion opportunities. His banking background ensures clients receive clear advice, strong lender advocacy, and finance solutions designed to deliver certainty, flexibility, and long-term value.

Wayne Sinclair

Finance Broker

Wayne began his career in banking in 1978 with ANZ and Esanda Finance, working throughout Central Queensland. With decades of experience in the finance industry, he has developed deep expertise in equipment finance and commercial lending, helping businesses secure the funding they need to grow and succeed.

Throughout his career, Wayne has built many long-standing relationships with his clients, earning a reputation for trust, integrity, and genuine commitment. He takes a keen personal interest in the success of each business he works with, providing tailored advice and practical solutions. 

In 1997, Wayne co-founded Esdale Sinclair & Associates with Steve Esdale, driven by a vision to offer greater lending choice and flexibility to Central Queenslanders. Since then, he has continued to support local businesses with experience, insight, and a strong understanding of the regional economy.

Michael Polkinghorne

Small Business Specialist

Michael is a highly experienced finance professional with more than 30 years in the banking industry. From 2006 to 2024, he was the owner-manager of a successful Bank of Queensland branch, and following a restructure of BOQ’s operating structure, Michael took the opportunity to join the team at Esdale Sinclair & Associates. Michale brings a strong reputation for trusted advice, long-term client relationships, and practical financial solutions. 

Specialising in small business lending, Michael works closely with SMEs to support their growth and cash flow needs. He assists clients with business loans, home loans, equipment finance, SMSF lending, and tailored funding solutions designed to suit both short- and long-term objectives. Holding a Diploma of Financial Planning, Michael combines deep technical knowledge with real-world experience, offering clear, strategic guidance at every stage of the lending process. 

Away from work, Michale enjoys travel, caravanning and spending time with his children and grandchildren.

Ros Johnson

Home Loan Specialist

Born and raised in Central Queensland, Ros began her career with the Commonwealth Bank at just 15, starting as a postage clerk and progressing through the ranks to Assistant Relationship Manager in Business Banking. This early exposure gave her a strong foundation in finance and client service. 

After taking time away from the workforce to raise her family, Ros returned to the industry with Esdale Sinclair & Associates as a Broker Support Officer. In 2016, Ros completed a Diploma of Finance and Mortgage Broker Management, becoming a fully accredited mortgage broker specialising in residential and consumer lending. 

Ros thrives on solving complex lending scenarios and is especially motivated by finding tailored solutions that help clients achieve their goals.

Outside of work, Ros enjoys spending time outdoors—whether it’s at the beach, camping, caravanning, or fishing.

Peter Maver

Finance Broker

Peter brings over 40 years of experience in banking and finance, with a career spanning a wide range of commercial and lending environments. In his current role at Esdale Sinclair & Associates, he specialises in equipment finance and has extensive expertise in commercial finance, including development funding. Known for his practical insight and trusted advice, Peter is equally committed to giving back, having volunteered with several organisations over the years. He is particularly proud of his long-standing involvement with the Salvation Army, reflecting his strong values and community focus.

Martine Zuiderbaan

Senior Finance Officer

Martine is a proud, born-and-bred Rockhampton local who values being close to her family and lifelong friends. With a career in finance spanning more than three decades, she brings deep experience, insight and dedication to her role at Esdale Sinclair & Associates.

Martine began her finance career in 1989 at the age of 19 with what was then Esanda Finance, where she worked closely with Wayne Sinclair and Steve Esdale. Following Esanda’s restructuring in 1997, many Rockhampton staff were made redundant. Shortly after, Wayne and Steve established Esdale Sinclair & Associates, and Martine joined the business in its early days.

Since that time, Martine has been a constant and valued member of the team, playing an integral role in the company’s growth and ongoing success. She is highly regarded for her extensive knowledge of lender policy and procedures, and for her ability to navigate complex lending scenarios. Martine works closely with brokers to provide guidance, problem-solve challenges and ensure each application is structured to achieve the best possible outcomes for clients.

Known for her willingness to assist and her collaborative approach, Martine takes pride in delivering exceptional service and in contributing to a culture of professionalism, trust and care within the business. 

Rachael Findlater

Senior Finance Officer

Rachael has proudly worked at Esdale Sinclair since its inception, bringing over 27 years of experience to the team. She thrives on the challenges of her role and is passionate about going above and beyond to ensure every client receives exceptional service.

Her responsibilities include the submission of loan applications, preparation of loan documentation, and managing timely settlements, all while building and maintaining strong, trusted client relationships.

Outside of work, Rachael enjoys spending quality time with her family and doting on her new grandbaby.

Alex Lawrence

Finance Officer

Alex is a customer-focused professional with experience across finance support, service coordination, employment services, and disability support. He is known for his high standards, clear communication, and ability to relate to people from diverse backgrounds and circumstances.

Since 2024, Alex has worked with Esdale Sinclair & Associates as a Finance and Support Officer, supporting financial operations and client services with a strong focus on compliance, clarity, and practical solutions. His background in employment and disability services allows him to take an empathetic, adaptable approach to finance, helping clients feel supported and informed when navigating complex or sensitive financial matters.

Previously, Alex held leadership and client-facing roles in disability and employment services, where he developed strong customer engagement skills and a person-centred approach to service delivery. This blend of people-focused experience and structured financial support enables Alex to deliver thoughtful, reliable, and effective outcomes for a wide range of clients.