Automotive Commercial Retail & Finance Manager

Apple-Ford-White-Bear-Lake; Minnesota; On-site; USD 63,000 - 120,000; Full time

Benefits offered by this job

Competitive Pay

Flexible Working Hours

Advancement Opportunities

Medical, Vision, Dental, HSA, FSA

Company Paid Life Insurance

Job summary

Apple Ford White Bear Lake is seeking an experienced Automotive Commercial Retail & Finance Manager to lead the finance process for the Commercial Vehicle Department and support retail finance operations. The role focuses on structuring complex commercial transactions, building lender relationships, training staff, and delivering an exceptional customer experience.

The ideal candidate has automotive finance experience, strong commercial lending knowledge, excellent organizational skills, and

Qualifications

• Previous automotive Finance & Insurance (F&I) experience required.

Responsibilities

• Structure and finalize commercial vehicle transactions with CAMs.
• Submit deals to banks, finance institutions, and leasing companies while securing approvals and timely funding.
• Present and sell finance and insurance products including extended service contracts and warranties.
• Guide commercial customers through financing, leasing, and fleet options.
• Coordinate and manage out-of-stock purchases for leasing companies from request to delivery.
• Ensure all transactions are completed accurately, compliantly, and efficiently.
• Assist with vehicle order submissions, tracking, and inventory status reports.
• Prepare sold units for arrival to support quick inventory turns and customer deliveries.
• Collaborate on inventory planning and forecasting.
• Train and develop new Commercial Account Managers on financing, leasing, extended service plans, and compliance.
• Support with retail finance deals and loan processing during absences.
• Maintain compliance with dealership, lender, state, and federal regulations.

Skills

Commercial financing

Leasing programs

F&I experience

Sales support

Leadership & training

Organizational skills

Customer service

Deal structuring

Job description

Automotive Commercial Retail & Finance Manager

Company: Apple Ford White Bear Lake

Compensation: $63,000.00 - $120,000.00

Are you looking for a company that Supports You and Your Family, Encourages You to Make a Difference, and helps Champion Your Lifelong Journey? Then you need to look at Apple Autos.

Apple Autos is a 6-brand, 7 location automotive company founded on the belief that people come before profit. Our Vision is to be Famous for Extraordinary Customer Experiences with People who are Empowered to Create Growth and Loyalty for a Lifetime.

We are seeking an experienced, driven, and customer-focused Automotive Commercial Retail & Finance Manager to lead the finance process for our Commercial Vehicle Department while supporting our retail finance operations. This is an exciting opportunity for a professional who excels at structuring complex commercial transactions, building lender relationships, training team members, and ensuring an exceptional customer experience.

The ideal candidate will have automotive finance experience, strong commercial lending knowledge, excellent organizational skills, and the ability to thrive in a fast-paced dealership environment.

What You’ll Do

Commercial Finance & Sales Support

• Partner with Commercial Account Managers (CAMs) to structure and finalize commercial vehicle transactions.
• Submit deals to banks, finance institutions, and leasing companies while securing approvals and ensuring timely funding.
• Present and sell finance and insurance products including extended service contracts, protection packages, warranties, and other aftermarket offerings.
• Guide commercial customers through financing, leasing, and fleet acquisition options.
• Coordinate and manage out-of-stock purchases for leasing companies, overseeing the process from request to vehicle delivery.
• Ensure all commercial transactions are completed accurately, compliantly, and efficiently.

Commercial Operations & Inventory Management

• Assist with vehicle order submissions and tracking.
• Monitor incoming inventory, update order status reports, VIN assignments, and estimated delivery dates.
• Prepare sold units for arrival to support quick inventory turns and customer deliveries.
• Collaborate with sales and management teams on inventory planning and forecasting.

Leadership & Training

• Train and develop new Commercial Account Managers on:
  • Commercial financing
  • Commercial leasing and TRAC leases
  • Extended service plans
  • Deal structure and compliance
  • Commercial sales processes and documentation
• Serve as an ongoing resource for finance and sales team members by answering questions and providing guidance.
• Help improve processes and support continuous department growth.

Retail Finance Support

• Provide coverage in the main Finance Department during vacations, scheduling conflicts, and unexpected absences.
• Submit, process, and deliver retail finance deals.
• Assist with funding and collections activities, including managing unfunded contracts.
• Support finance managers and dealership leadership with special projects and operational needs.
• Maintain compliance with all dealership, lender, state, and federal regulations.

What You’ll Bring

• Previous automotive Finance & Insurance (F&I) experience required.
• Commercial vehicle, fleet, truck, or business lending experience preferred.
• Strong understanding of commercial financing, leasing, and lender programs.
• Proven ability to present and sell vehicle protection products and finance products.
• Excellent communication, customer service, and relationship-building skills.
• Strong organizational and time management abilities.
• Ability to train, mentor, and develop team members.
• Detail-oriented with the ability to manage multiple priorities simultaneously.
• Experience with dealership management systems and lender portals preferred.

Benefits

• Competitive Pay

• Flexible Working Hours
• Advancement Opportunities
• Professional and Respectful Work Environment
• Medical, Vision, Dental, Health Savings Account, Flexible Spending Account
• Company Paid Life Insurance along with Voluntary Life and Disability
• Health Club Reimbursement
• New and Used Vehicle, Parts, and Service Discounts
• Vacation, Holiday, Volunteer Time Off
• 401k with a Company Matching Contribution
• Employee Assistance programs

Why Work for Apple Autos

• We strive to make a positive impact in our world, you will get the opportunity to give back.
• Internal promotions, we offer our employees the opportunity to advance internally.
• We encourage teamwork,positivity, and kindness.
• Learning and development programs are available.
• We empower our employees to do what is best for our customers, and other employees.
• Continually giving back to our employees for all their hard work that does not go unnoticed. We offer a variety of fun events to say thank you to our most important assets, our amazing employees.

EEO Statement:

We are an equal opportunity employer and prohibit discrimination/harassment without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws.