Subprime Auto Finance Desk Lead — Growth & Profit Sharing

5 Star Auto Plaza; Saint Charles (MO); On-site; USD 80,000 - 100,000; Full time

Benefits offered by this job

Health insurance

Opportunity for advancement

Paid time off

Profit sharing

Training & development

Vision insurance

Competitive salary

Dental insurance

Job summary

5 Star Auto Plaza is seeking an experienced Subprime Finance Desk Manager who deeply understands subprime financing. You will evaluate credit applications beyond scores, negotiate terms with lenders, and structure deals that maximize approvals and profitability.

Ideal candidates have a proven track record in subprime automotive finance, with knowledge of lender programs, underwriting guidelines, and front- to back-end profitability. Franchise or independent dealership experience is welcome.

Qualifications

• Proven history of success in subprime automotive finance.
• Extensive knowledge of subprime lenders, underwriting, and financing programs.
• Demonstrated ability to negotiate with credit buyers and improve outcomes.
• Strong analytical skills and experience structuring complex financing transactions.

Responsibilities

• Analyze credit applications strategically, looking beyond scores to assess complete financial pictures.
• Know your lenders and their programs, advances, fees, and vehicle eligibility.
• Rehash and negotiate approvals to maximize lender opportunities and profitability.
• Structure profitable deals by balancing lender terms, vehicle values, down payments, and customer needs.
• Make inventory work by considering book values, acquisition costs, and aging to move suitable units.
• Present a complete credit story by evaluating income, employment stability, and qualifying factors.
• Provide sales with a clear plan on eligible vehicles, down payment requirements, and deal structure.
• Own the deal through funding, ensuring contract accuracy and lender stipulations.

Skills

Subprime Finance

Lender Programs

Negotiation

Credit Analysis

Deal Structuring

Job description

5 Star Auto Plaza is seeking an experienced Subprime Finance Desk Manager who deeply understands subprime financing. You will evaluate credit applications beyond scores, negotiate terms with lenders, and structure deals that maximize approvals and profitability.

Ideal candidates have a proven track record in subprime automotive finance, with knowledge of lender programs, underwriting guidelines, and front- to back-end profitability. Franchise or independent dealership experience is welcome.