Consumer Lending Manager

Elite Construction Solutions•Saint Louis, MO

9d•$90,000 - $100,000

About The Position

Elite Construction Solutions is a premier nationwide exterior contractor, dedicated to setting new industry standards through innovation, technology, and exceptional service. Our mission is to deliver unique and memorable experiences to all we encounter while elevating the benchmark for exterior construction and restoration. Position Summary: The Manager of Consumer Lending is responsible for developing, managing, and optimizing Elite's consumer financing programs to enable sales growth and improve deal conversion rates. This role serves as the primary liaison between Elite and third-party lending partners, ensuring sales teams have access to competitive financing solutions that meet customer needs while maximizing profitability for the company.

Requirements

Bachelors degree in finance field preferred; equivalent combination of education (GED/High School diploma) and experience required
5+ years of experience in consumer lending, dealer finance, or financial services
Demonstrated success managing lending partner relationships and negotiating dealer agreements
Strong analytical skills with experience using data to optimize program performance
Knowledge of consumer lending regulations and compliance requirements
Excellent training skills; ability to translate complex financing concepts for sales teams
Proficiency with CRM systems (Salesforce preferred) and financing platforms
Ability to problem-solving and use critical thinking
Ability to handle conflict in a professional and courteous manner
Excellent verbal, electronic, and written communication, and customer service skills
Work with peers and all departments for the common goals of the organization
Reliable in meeting work commitments
Must be flexible and adapt to most any situation
Ability to utilize technology devices, software and application, previous experience with Microsoft Office Suites and basic computer skills required
Reliable high speed home broadband internet connection with minimum 25 meg download and 10 meg upload speeds and ability to connect to home internet via ethernet cord is required if working remotely
Ability to travel, up to 25%

Nice To Haves

Experience in home improvement, construction, or contractor financing
Background working with GreenSky, Synchrony, Service Finance, or similar home improvement lenders
MBA or relevant advanced degree
Experience with promotional financing programs (same-as-cash, deferred interest, reduced APR)

Responsibilities

Financing Partnership Management Evaluate, negotiate, and manage relationships with consumer lending partners (e.g., GreenSky, Synchrony, Service Finance, Mosaic) and aggregator platforms (e.g. Modernize 360 Finance, 1&Fund, etc.)
Monitor dealer fee structures, approval rates, and funding timelines across all lending partners
Identify and onboard new lending partners to expand financing options and improve competitive positioning
Negotiate preferential rates and promotional programs that benefit both Elite and customers
Sales Enablement & Training Develop financing playbooks and sales tools that help field teams present financing options effectively
Train sales managers and representatives on financing products, approval processes, and customer qualification
Create deal-closing strategies that leverage financing to overcome customer objections
Work with Sales Enablement team to integrate financing best practices into sales certification programs
Analytics & Program Optimization Track and analyze financing KPIs: approval rates, funded amounts, dealer fees, customer take rates, and time-to-fund
Perform cost-benefit analysis on financing programs to optimize dealer fee spend vs. conversion lift
Develop reporting dashboards to provide visibility into financing performance by market, brand, and sales rep
Identify trends in approval rates and recommend adjustments to lending partner mix or qualification criteria
Customer Experience & Compliance Ensure financing processes are customer-friendly and compliant with all applicable consumer lending regulations
Resolve escalated financing issues between customers, sales teams, and lending partners
Monitor customer satisfaction with financing experience and implement improvements
Stay current on consumer lending regulations (TILA, ECOA, state-specific requirements) and ensure compliance
Other duties as assigned