Toyota of Downtown Chicago Finance Manager

Job Description

Job Description

Job Description — Finance Manager

Finance Manager \u007C Murgado Automotive Group (Chicago)

Murgado Automotive Group is building something different. We're not looking for someone to sit in an office and wait for deals to arrive. We're looking for a Finance Manager who is part of the sales process from start to finish. When you're not with a customer, you're at the desk, in the showroom, or engaged digitally with the sales team. Your success is tied directly to their success. Every deal that converts is a deal you helped close.

Our model is built on Transparency and Velocity. By the time a customer reaches F&I, they've received real answers, real numbers, and real commitments from our sales team. The deal is structured. The customer is ready. Your job is to finalize the transaction, present products that genuinely protect them, and get them into their vehicle. Fast.

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Position Overview

As Finance Manager, you are the final step in a process designed around speed and trust. You receive deals from the Desk, Floor, and Digital Sales Managers that have already been structured and committed. Your role is to secure financing, present protection products with integrity, and ensure every document is accurate and compliant.

But this is a high-performance culture. You don't wait in your office for the next customer. When you're not closing a deal, you're in the action: helping structure deals at the desk, engaging customers in the showroom, supporting digital opportunities, and working alongside the sales team to convert every opportunity. Your income depends on their success. Act like it.

We're launching a new store in Chicago and looking for a Finance Manager who wants to be part of a model where F&I is integrated, respected, and essential to the team's performance.

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Key Responsibilities

Deal Finalization and Funding

• Receive structured deals from Desk, Floor, and Digital Sales Managers.

• Secure financing from lenders and financial institutions, ensuring competitive rates and terms.

• Process all required documents accurately: loan applications, contracts, title paperwork, and registration.

• Monitor loan approvals and ensure timely funding. No deal should stall in F&I.

Product Presentation

• Present protection products (extended warranties, service contracts, GAP, maintenance plans) as genuine value.

• Explain products clearly. Customers should understand what they're buying and why it matters.

• Match products to customer needs. Recommend what makes sense.

• Maximize PVR through expertise and value, not pressure.

Active Involvement in the Sales Process

• When not with a customer, be at the desk or in the showroom. Your office is not a waiting room.

• Support deal structuring alongside Sales Managers. Help close deals before they reach your office.

• Engage with digital opportunities. Respond to online customers with the same urgency as walk-ins.

• Work as one team. Your success is 100% dependent on the successful conversion of customers. Act accordingly.

Compliance and Documentation

• Ensure compliance with all federal, state, and local regulations related to automotive financing and lending.

• Maintain accurate records of all transactions, contracts, and customer interactions in Tekion.

• Stay current on regulatory changes and ensure the dealership remains compliant.

Customer Experience

• Treat every customer interaction as the final impression of the dealership.

• Answer questions honestly. Build confidence in their purchase.

• Keep the process moving. Velocity matters. Customers who waited an hour in F&I don't leave happy.

• Handle any concerns or objections with a problem-solving mindset.

Lender and Partner Relations

• Maintain strong relationships with financial institutions, lenders, and product providers.

• Negotiate competitive programs and rates that benefit both customers and the dealership.

• Stay informed on lender guidelines, rate changes, and approval criteria.

Collaboration with Sales

• Work as one team with Sales Managers.

• Provide feedback on deal quality and customer expectations to improve upstream processes.

• Assist in training sales staff on finance-related processes, credit basics, and product knowledge.

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Metrics and Accountability

You will be measured on:

• PVR (Per Vehicle Retailed): Front-end, back-end, and total

• Product Penetration Rates: VSC, GAP, maintenance, and ancillary products

• Funding Speed: Time from contract to funded deal

• CSI: Customer satisfaction scores related to the F&I experience

• Compliance: Zero tolerance for regulatory violations or documentation errors

• Chargebacks: Product cancellation rates and chargeback exposure

You will use Tekion (DMS) to manage deals, contracts, and reporting. If it's not in the system, it didn't happen.

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Qualifications

Experience

• Previous experience as an Automotive Finance Manager or in a similar role within a dealership is required.

• Strong understanding of automotive financing, lender relations, and compliance regulations.

• Experience with modern DMS platforms (Tekion preferred) and menu-selling tools.

Skills

• Excellent communication skills. You can explain complex financial products in plain language.

• Strong negotiation ability with lenders and product providers.

• Detail-oriented. Contracts must be accurate. Compliance must be airtight.

• Proficiency in dealership management software, Microsoft Office, and CRM tools.

Mindset

• High-performance orientation. You don't wait for opportunities. You help create them.

• Believes in transparency. Customers should feel informed and confident.

• Values velocity. A smooth, fast F&I process is a competitive advantage.

• Understands that F&I success starts on the floor. You're part of the sales team, not separate from it.

• High integrity. Compliance isn't a burden; it's the standard.

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Other Requirements

• High school diploma or GED required; Bachelor's degree in finance, business, or related field preferred.

• Valid driver's license with clean driving record.

• Flexibility to work evenings and weekends as needed.

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Benefits

• Competitive Compensation: Base salary plus performance-based bonuses tied to PVR, penetration, and CSI.

• Comprehensive Benefits: Health, dental, vision, 401(k) with company match, PTO.

• Career Growth: Advancement opportunities across the Murgado Automotive Group portfolio. We have 13 dealerships in Illinois and 31 across the group. High performers have paths to grow and beyond.

• Employee Discounts: Vehicle purchases, parts, and service.

• Modern Tools: You'll work with Tekion, not against a legacy system.

• Training: Ongoing development in compliance, product knowledge, and leadership.

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Why Murgado Automotive Group?

We're not a dealership group stuck in 2005. We're building a model where customers are treated with respect from first click to final signature. F&I is not a silo. It's an integrated part of a high-performance sales operation.

If you want to be part of a team where everyone works together to win, where your contributions are visible, and where your success is directly tied to your effort, this is the place. We want a Finance Manager who takes pride in the work, earns the customer's confidence, and helps the team close deals that stick.

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How to Apply

Submit your resume and a brief note on why you're the right fit for this role.

Salary based on performance - no cap on commissions!

Murgado Automotive Group is an equal opportunity employer. Murgado Automotive Group does not discriminate in employment on account of race/ethnicity, color, religion, national origin, gender, sexual orientation/transgender status, age disability, martial/parental status, citizenship status, military status, political affiliation and/or beliefs, pregnancy, order of protection status or other non-merit status.

We are an employer who participates in the E-verify program with the Department of Homeland and Security.

We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses and identifying potential inconsistencies or verification signals in application materials based on available information. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans. If you would like more information about how your data is processed, please contact us.