Subprime Financial Manager, Signature Honda

Formulafordlincoln; Toronto; On-site; CAD 70,000 - 100,000; Full time

Job summary

Signature Honda in Toronto seeks a Subprime Finance Manager to secure vehicle financing for customers with challenged or non-traditional credit profiles. You will work with sales teams, lenders, and customers to structure approvals that align with lender guidelines while maximizing dealership profitability and ensuring regulatory compliance.

The ideal candidate brings strong lender relationships and deep subprime financing expertise, with a proven track record of securing funding.

Qualifications

• 2–5+ years of automotive finance experience focused on subprime/non-prime lending.
• Proven track record of securing approvals and funding for complex deals.
• Strong understanding of credit analysis, lender guidelines and risk assessment.

Responsibilities

• Structure and secure financing approvals for subprime customers.
• Build and maintain relationships with subprime and non-prime lenders.
• Analyze credit reports, income documentation, and deal structures to identify options.
• Collaborate with sales to convert leads into approved deals.
• Present financing options clearly, ensuring transparency and customer understanding.
• Maximize gross profit through deal structuring, lender selection and product offerings.
• Ensure compliance with OMVIC and consumer protection laws.
• Submit deals accurately and follow through to funding, resolving stipulations.
• Stay current on lender programs and rate changes.
• Train and support sales staff on subprime deal structuring.
• Maintain accurate and complete deal documentation.

Skills

Subprime financing

Credit analysis

Lender relations

Negotiation

Regulatory compliance

Job description

Signature Honda | Subprime Financial Manager | Opened on 09/04/2026 | Pay rate: $70000-100000 per year

Signature Honda is seeking a results-driven Subprime Finance Manager to join our dynamic team. In this role, you will specialize in securing vehicle financing for customers with challenged or non-traditional credit profiles. You will work closely with sales teams, lenders, and customers to structure approvals that align with lender guidelines while maximizing dealership profitability and ensuring full regulatory compliance.

The ideal candidate brings strong lender relationships, deep expertise in subprime financing, and a commitment to delivering an exceptional customer experience.

Key Responsibilities

• Structure and secure financing approvals for customers with subprime or limited credit histories
• Build and maintain strong relationships with subprime and non-prime lenders
• Analyze credit reports, income documentation, and deal structures to identify suitable financing options
• Collaborate with the sales team to convert leads into approved and funded deals
• Present financing options clearly and professionally, ensuring transparency and customer understanding
• Maximize gross profit through effective deal structuring, lender selection, and product offerings
• Ensure compliance with all applicable regulations, including OMVIC and consumer protection laws
• Submit deals accurately and follow through to funding, resolving stipulations efficiently
• Stay current on lender programs, rate changes, and approval trends
• Train and support sales staff on subprime deal structuring and qualification techniques
• Maintain accurate and complete deal documentation

Qualifications

• 2–5+ years of automotive finance experience, with a focus on subprime/non-prime lending
• Proven track record of securing approvals and funding complex deals
• Strong understanding of credit analysis, lender guidelines, and risk assessment
• Experience working with multiple lenders (banks, credit unions, and subprime finance companies)
• Knowledge of applicable automotive finance regulations (e.g., OMVIC in Ontario)
• Excellent negotiation, communication, and customer service skills
• High attention to detail and strong organizational skills
• Ability to thrive in a fast-paced, performance-driven environment
• Deal structuring and problem-solving
• Relationship management (lenders & customers)
• Compliance and ethical decision-making
• Sales influence and closing ability
• Adaptability and resilience

Working Conditions

• Full-time position in a dealership environment
• Evenings and weekends required
• High-volume, target-driven role

Signature Honda is committed to fostering an inclusive, accessible workplace. In accordance with the Accessibility for Ontarians with Disabilities Act (AODA), accommodations are available upon request for candidates taking part in all aspects of the recruitment and selection process.

Signature Honda is an equal opportunity employer and is committed to diversity and inclusion. We welcome applications from all qualified individuals regardless of race, ancestry, place of origin, colour, ethnic origin, citizenship, creed, sex, sexual orientation, gender identity, age, marital status, family status, or disability.