Automotive Dealership Finance & Insurance Consultant

LeadCar Toyota Mankato•Mankato, MN

13h

About The Position

LeadCar Toyota Mankato is seeking a customer-focused Finance and Insurance (F&I) Consultant to guide customers through vehicle financing, protection products, and ownership solutions. The consultant works closely with customers, sales teams, management, and lending partners to arrange financing, present protection products, ensure regulatory compliance, and contribute to dealership profitability through exceptional service and ethical sales practices. The role includes consulting with customers about financing needs and ownership goals; explaining loan, lease, and special financing options; presenting service contracts, GAP coverage, maintenance plans, and other protection products; developing lender relationships; and preparing and reviewing finance and lease documents. The consultant also supports accurate funding and documentation, coordinates customer handoffs from sales through delivery, keeps dealership personnel informed about programs and incentives, and participates in ongoing training. The position requires a high school diploma or equivalent, a valid driver's license with an acceptable driving record, and strong computer proficiency. Two years of automotive dealership F&I experience is preferred, though high-performing automotive sales professionals seeking advancement may also be considered. The role may require a flexible schedule, including some evenings, weekends, and holidays, depending on dealership hours and business needs. The anticipated total annual compensation range is $125,000 to $175,000.

Requirements

High school diploma or equivalent required.
At least 2 years of automotive dealership Finance & Insurance experience preferred; high-performing automotive sales professionals seeking advancement may also be considered.
Demonstrated success in automotive financing, lender relations, product sales, and customer satisfaction.
Knowledge of dealership financing processes, retail installment contracts, lease agreements, and aftermarket protection products.
Understanding of applicable federal and state regulations, including Truth in Lending (TILA), the Red Flags Rule, OFAC requirements, privacy regulations, and fair lending practices.
Valid driver's license with an acceptable driving record.
Strong computer proficiency, including dealer management systems (DMS), lender portals, and Microsoft Office applications.
Ability to work a flexible schedule, including some evenings, weekends, and holidays, based on dealership operating hours and business needs.

Nice To Haves

Associate's or bachelor's degree in business, finance, sales, or a related field.
Automotive dealership Finance & Insurance experience beyond the preferred minimum, or high-performing automotive sales experience with interest in advancement.

Responsibilities

Build customer trust and rapport while guiding customers through financing and vehicle protection.
Consult with customers to assess financing needs, budget considerations, and vehicle ownership goals.
Explain loans, leases, and special financing programs, including terms, rates, and payment plans.
Present and explain service contracts, GAP coverage, maintenance plans, and other ownership protection products.
Maintain relationships with lending partners to secure appropriate financing options while supporting dealership profitability.
Conduct business ethically and professionally, consistent with LeadCar’s integrity standards.
Prepare, process, and review finance and lease documents accurately and promptly, following dealership policies and applicable federal, state, and lender requirements.
Ensure accurate funding and collection of finance, service contract, and protection product proceeds.
Review deal documents for accuracy, including titles, liens, taxes, registrations, and lender requirements, before submission for funding and accounting.
Partner with sales and management teams to provide a seamless customer handoff from vehicle selection through financing, contracting, and delivery.
Maintain current knowledge of lender programs, compliance requirements, product offerings, and industry trends.
Communicate current financing, lease, and incentive program information to dealership sales personnel.
Participate in professional development and manufacturer-, lender-, or dealership-sponsored training.

Benefits

Health insurance
Dental insurance
Vision insurance
Supplemental benefits, including life insurance, short- and long-term disability insurance, and accident insurance
401(k) retirement plan with employer discretionary match
Paid time off
Paid holidays
Employee discounts
Employee referral program and bonus
Continued training through the company and manufacturer
Performance bonuses for eligible roles
Commissions