Finance & Insurance Manager

Job Description Description:The Finance & Insurance (F&I) Manager is responsible for structuring, securing, and managing financing solutions for customers purchasing commercial trucks and vocational equipment. This role works closely with customers, lenders, and the internal sales team to develop financing packages that align with the operational and financial needs of contractors, fleet operators, municipalities, and owner-operators.Unlike traditional retail automotive F&I, this role focuses on commercial lending, equipment financing, leasing structures, and long-term fleet relationships. The F&I Manager ensures transactions are properly structured, compliant, and efficiently funded while supporting the dealership's sales objectives.Commercial FinancingStructure financing packages for Class 6–8 trucks and vocational equipment including hydrovacs, dump trucks, vacuum trucks, service trucks, and other specialized equipment.Work with banks, captive lenders, and independent finance companies to secure approvals and competitive terms.Submit and manage credit applications, documentation, and funding packages.Coordinate financing for both new and used commercial units.Leasing & Equipment FinanceStructure and present commercial financing options including:Equipment Finance Agreements (EFA)TRAC leasesFair Market Value (FMV) leasesMunicipal and government financingGuide customers through payment structures, tax advantages, and equipment financing strategies.Customer ConsultationWork directly with business owners, fleet managers, and municipal buyers to understand their operational and financial needs.Present financing and protection options clearly and professionally.Help customers structure payments around cash flow, seasonal revenue, or fleet expansion plans.Protection ProductsOffer and administer protection products such as:Extended engine and drivetrain warrantiesEquipment service contractsGAP coverage (where applicable)Maintenance programsEnsure customers understand the operational and financial value of protection products.Sales Team SupportWork closely with truck sales professionals to structure deals that meet customer budgets while maintaining dealership profitability.Provide guidance on financing programs, lender requirements, and deal structuring.Assist with large fleet transactions and multi-unit deals.Lender RelationshipsDevelop and maintain strong relationships with commercial lenders and leasing companies.Stay current on lender programs, rate changes, and underwriting requirements.Negotiate competitive terms for customers and the dealership.Compliance & DocumentationEnsure all transactions comply with federal, state, and lender requirements.Maintain complete and accurate deal documentation.Manage funding packages and ensure timely deal funding.Requirements:We offer a full benefits package for eligible employees including:Medical, Dental, and Vision InsuranceLife (Voluntary and Employer Paid) and Disability Insurance401(K) with company match beginning with your first contribution.HSA and/or FSAPaid Time Off, Sick Time, and Company Paid HolidaysEmployee Car Discount ProgramWork Environment & Physical Abilities:Activities require a full range of motion including; handling and lifting, manual and finger dexterity and eye-hand coordination.This position may require standing, balancing, bending or stooping for prolonged periods of time.This position requires corrected vision and hearing within normal range.The ability to climb in and of vehicles.Required to perform work inside and outside, in varying weather situations.Required Education, Experience, Knowledge & Skills:Experience in commercial truck sales, heavy equipment sales, equipment financing, or dealership F&I.Strong understanding of commercial lending and leasing structures.Ability to read and analyze business financial statements and credit profiles.Strong communication and negotiation skills.High attention to detail and strong documentation skills.Ability to manage multiple deals and timelines simultaneously.Valid driver's license and MVR in good standing.Ability to work any shift if needed.Ability to successfully complete a general abilities assessment.Ability to pass a post-offer background check, physical and drug screen.Preferred Education, Experience, Knowledge & Skills:Background in Class 6–8 truck or vocational equipment sales.Familiarity with hydrovac, construction, or infrastructure equipment markets.Existing relationships with commercial lenders and leasing companies.Experience structuring fleet and multi-unit transactions.Job Details:Pay Type: Salary + DrawCompensation Range: OTE $100,000Bonus Eligibility: YesReports To: General ManagerShift: 1stClosing Date: Open Until Filled