Finance Manager- Subprime Specialist

Company Overview

Specialty Motors is a fast-growing independent used car dealership with over 130 vehicles in inventory across two locations in Gurnee and Round Lake, Illinois. We specialize in helping customers of all credit backgrounds — including subprime and credit-challenged buyers — secure financing and drive away in reliable vehicles.

Position Overview

We are seeking an experienced Finance Manager (Subprime Specialist) who excels at working complex credit situations and securing approvals for customers with challenged credit. This is a high-impact role responsible for structuring deals, building lender relationships, maximizing approvals, and driving backend profitability.

Key Responsibilities

• Secure financing for prime, subprime, and deep-subprime customers
• Structure challenging deals involving prior repossessions, low income, limited credit history, or ITIN customers
• Submit applications and manage approvals through lender portals
• Work stips, callbacks, and funding requirements efficiently
• Present and sell F&I products (warranties, GAP, wheel & tire, GPS, paint protection, etc.)
• Ensure all paperwork is accurate, compliant, and funding-ready
• Collaborate with sales staff to maximize deal structure and customer satisfaction
• Maintain strong relationships with banks and finance companies

Required Experience

• Minimum 2+ years of dealership F&I or automotive sales experience
• Proven success working with subprime and deep-subprime customers
• Strong knowledge of lender guidelines and deal structuring
• Experience with lenders such as Credit Acceptance, Westlake, Santander, Global Lending Services, CAC, and similar
• Familiarity with DealerCenter, Dealertrack, RouteOne, or similar systems
• Ability to handle deals from application to funding

Preferred Skills

• Strong negotiation and communication skills
• High attention to detail and organization
• Ability to work in a fast-paced, high-volume environment
• Track record of strong funding rates and backend performance

Compensation & Benefits

• Competitive pay structure with strong earning potential
• Growth opportunities within a rapidly expanding dealership
• Supportive, team-oriented work environment
• Benefits available (401k matching, life insurance, PTO)

Schedule

• Full-time position
• Must be available to work Saturdays
• In-person role

Location Requirement

Round Lake, IL 60073 — Must be able to relocate or commute before starting work

Pay: $100,000.00 - $200,000.00 per year

Benefits:

• Health insurance

Work Location: In person