Finance Manager

Bloomington Ford Lincoln; Bloomington (IN); On-site; USD 45,000 - 175,000; Full time

Job summary

Community Cars in Bloomington, IN seeks an Automotive Dealership Finance Manager to guide financing and lease options for customers. You will structure deals, present F&I products, and liaise with lenders and the sales team to ensure compliant, profitable transactions.

The role requires automotive finance experience, strong regulatory knowledge, and precise documentation. Candidates must maintain confidentiality and deliver excellent customer service in a fast-paced setting.

Qualifications

• Experience in automotive finance or related sales/finance environment.
• Knowledge of vehicle financing, leasing, credit evaluation, and lender programs.
• Strong understanding of consumer finance regulations and dealership compliance requirements.
• Strong math, analytical and numerical reasoning skills with attention to detail.
• Excellent verbal and written communication; able to explain complex financial concepts simply.
• Ability to maintain confidentiality when handling sensitive customer financial information.
• Able to work in a fast-paced, deadline-driven environment while delivering a professional customer experience.
• Valid driver's license and ability to meet background/credit screening requirements.

Responsibilities

• Structure retail financing and lease transactions to meet customer needs and profitability.
• Present and explain F&I products clearly and ethically.
• Submit credit applications to lenders, negotiate approvals and rates.
• Prepare, review and execute all sales and finance documents with high accuracy.
• Ensure compliance with federal and state financing regulations.
• Collaborate with sales to forecast deal structures and ensure smooth handoffs.
• Monitor funding status and manage contract-in-transit and chargebacks.
• Track KPIs and report findings to Sales leadership.

Skills

Automotive finance

Dealership operations

Lender programs

Regulatory knowledge

Communication

Confidentiality

Detail orientation

Deadline-driven

Education

Finance degree

Accounting degree

Business administration

Tools

DMS

CRM

RouteOne/Dealertrack

e-contracting tools

Excel

Job description

Automotive Dealership Finance Manager

Job Summary

Community Cars is seeking a results-driven Automotive Dealership Finance Manager to join our Sales department in Bloomington, IN. In this role, you will guide customers through vehicle financing and lease options, structure compliant deals, and present finance and insurance (F&I) products with transparency and integrity. The Automotive Dealership Finance Manager serves as a key link between customers, lenders, and the sales team, helping ensure every transaction is accurate, compliant, and profitable.

Key Responsibilities

• Structure retail financing and lease transactions that meet customer needs, lender guidelines, and dealership profitability goals.
• Present and explain F&I products, such as extended service contracts, GAP coverage, and protection packages, in a clear, ethical, and consultative manner.
• Submit credit applications to a network of lenders, negotiate approvals and rates, and select the best financing options for each customer.
• Prepare, review, and execute all sales and finance documentation, including contracts, title and registration paperwork, and disclosures, with a high degree of accuracy.
• Ensure compliance with federal and state regulations governing automotive financing, including Truth in Lending, Equal Credit Opportunity, privacy and data security, and anti-fraud requirements.
• Collaborate with sales managers and sales consultants to forecast deal structures, support the deal process, and maintain a smooth customer handoff from showroom to finance office.
• Monitor funding status, resolve lender stipulations promptly, and manage contract-in-transit and chargeback activity to protect dealership revenue.
• Track and report on key performance metrics, including product penetration, finance reserve, and per-vehicle retail performance, and recommend improvements to the Sales leadership team.

Required Qualifications

• Demonstrated experience in automotive finance, dealership operations, retail lending, or a related sales and finance environment.
• Working knowledge of vehicle financing, leasing, credit evaluation, and lender programs.
• Solid understanding of consumer finance regulations and dealership compliance requirements, or the ability to learn them quickly.
• Strong math, analytical, and numerical reasoning skills, with excellent attention to detail.
• Excellent verbal and written communication skills, with the ability to explain complex financial concepts in simple terms.
• Ability to maintain confidentiality when handling sensitive customer financial information.
• Ability to work in a fast-paced, deadline-driven environment while delivering a professional customer experience.
• Valid driver's license and ability to meet any background or credit screening required for the position, in accordance with applicable law.

Preferred Qualifications

• Previous experience as an F&I Manager, finance director, or finance manager in a franchised or independent automotive dealership.
• Associate or bachelor's degree in finance, accounting, business administration, or a related field.
• Completion of F&I or dealership compliance training or certification programs.
• Established relationships with captive, bank, and credit union lenders.
• Experience coaching or training sales staff on finance processes and deal structuring.
• Familiarity with Indiana vehicle titling, registration, and sales tax requirements.

Technical Skills

• Proficiency with dealership management systems (DMS) and customer relationship management (CRM) tools.
• Experience with credit application and lender submission platforms, such as RouteOne, Dealertrack, or similar.
• Experience with F&I menu selling software and electronic contracting (e-contracting) tools.
• Strong skills in Microsoft Excel and other reporting tools for tracking performance and analyzing deal data.
• Knowledge of payment, APR, and lease calculations, including rebates, incentives, and residual values.
• Understanding of compliance tools and procedures, such as OFAC screening, Red Flags Rule, and Safeguards Rule requirements.

Position Details

• Location: Bloomington, IN, US (on-site; remote work is not available)
• Department: Sales
• Category: Finance
• Salary Range: $45,000 - $175,000 per year, depending on experience and qualifications

The company is an equal opportunity employer. We welcome applications from all qualified candidates regardless of race, color, religion, sex, gender identity, sexual orientation, national origin, age, disability, veteran status, or any other characteristic protected by law. Reasonable accommodations are available for applicants with disabilities throughout the hiring process.