Credit Negotiation

Credit Negotiation Finance Jobs

23 jobs found

Senior Credit Products Specialist - Private Banking

Flagstar Bank New York, NY

11d ago

$141k - $168k/yr Full time Manager Senior Banking

Manager Senior Banking

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Job Description

This onsite role in New York, NY supports Private Banking by structuring, negotiating, and managing highly complex commercial credit relationships. The position offers an annual salary range of USD 141,299 to 168,468 and emphasizes risk management guidance for the portfolio along with mentorship of junior credit professionals.

Responsibilities

Lead the structuring, analysis, and approval of complex credit transactions, balancing risk with business objectives.
Monitor portfolio risk proactively, identifying industry trends and macroeconomic factors affecting credit quality.
Act as a strategic partner to relationship managers and senior leadership, providing expertise in credit negotiations and deal execution.
Collaborate with clients, legal counsel, and internal teams to structure and negotiate credit agreements.
Provide mentorship to junior credit professionals, training on credit risk best practices and escalating process-improvement opportunities to senior leadership.
Exercise independent judgement to make decisions on the assigned portfolio.
Diagnose and resolve issues affecting the portfolio.
Contribute to special projects and other duties as assigned.
Maintain compliance with regulatory and compliance policies, complete required trainings, and adhere to applicable laws and regulations.

Requirements

Undergraduate Degree (4 years or equivalent) in Finance, Accounting, Economics, or a related field, or 12+ years of equivalent experience.
Minimum 8+ years in commercial credit analysis, structuring, underwriting, portfolio management, and risk analysis.
Deep expertise in structuring and negotiating complex credit agreements.
Strong leadership skills with the ability to influence credit strategy and policy.
In-depth understanding of macroeconomic factors and their impact on credit risk.
Proven ability to manage large portfolios and advise senior executives.
Exceptional communication and stakeholder management skills.
As relevant for the supported line of business, well versed in legal documentation such as Credit Agreements, and positioned to develop junior associates, interact with internal and external legal counsel, and negotiate directly with clients.

Benefits

Medical insurance
Dental insurance
Vision insurance
Life insurance
Disability insurance
Comprehensive leave program

Preferred Qualifications

Master's degree (MBA or CFA) preferred

Job Competencies

Strategic Credit Expertise: Deep knowledge of complex commercial lending structures, industry trends, and economic factors affecting credit risk.
High-Level Risk Oversight: Ability to assess portfolio risk at a macro level, identifying patterns and trends that inform credit strategy.
Client & Executive Engagement: Strong ability to interact with senior leadership, legal teams, and high-profile clients on structuring and negotiating credit agreements.
Deal Structuring & Negotiation: Expertise in negotiating complex loan terms, partnering with legal counsel and senior RMs to finalize agreements.
Leadership & Mentorship: Mentors junior credit professionals, develops talent and fosters a strong credit culture.
Change Management & Innovation: Identifies opportunities for process improvement, technology adoption, and best practice implementation.
Regulatory & Policy Knowledge: Deep understanding of credit policies, compliance standards, and legal considerations in lending.
Executive-Level Communication: Ability to articulate complex credit decisions clearly and persuasively to internal and external stakeholders.
Relationship Building & Collaboration: Demonstrates the ability to build relationships with stakeholders through clear communication, proactive collaboration, and cross-functional insights; aligns efforts with enterprise goals to drive performance.
Client Relationship Leadership: Builds trusted client relationships by identifying needs and delivering tailored solutions to enhance the client experience.
Physical demands (ADA): No unusual physical exertion involved.

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Experienced Automotive Finance (F&I) Manager for Automotive Dealership

Superior Automotive Group Bentonville, AR

11d ago

$125k - $175k/yr Full time Manager Automotive Banking

Manager Automotive Banking

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Job Description

Why join Superior Automotive Group

On-site, full-time opportunity in Bentonville, AR at our multi-brand dealership, serving BMW, Cadillac, Mazda, and Mercedes-Benz customers. Benefit from a competitive compensation package and a robust benefits program while shaping finance and insurance strategies that support dealership profitability.

Compensation and benefits

Salary: USD 125,000 to 175,000 per year
401(k)
401(k) matching
Health insurance
Dental insurance
Vision insurance
Health savings account
Paid time off
Retirement plan
Employee discount

Responsibilities

Provide exceptional customer service by clearly communicating finance and insurance options and guiding customers through the decision process.
Present and explain financing and insurance products, including extended service contracts, windshield protection, wheel and tire coverage, gap insurance, and other relevant offerings.
Overcome objections through value-based negotiations.
Evaluate credit applications, assess creditworthiness, and secure competitive financing that aligns with the customer's financial situation.
Collaborate with financial institutions and lenders to secure favorable loan terms while maintaining strong partner relationships.
accurately complete all required paperwork and documentation for financing and insurance transactions, ensuring compliance with industry regulations and dealership policies.
Securely manage customer data, financing deals, and insurance contracts using dealership software systems.
Stay up-to-date with industry regulations, legal requirements, and best practices related to finance and insurance operations.
Coordinate with the sales team to ensure a smooth transition from sales agreement to the finance process and closing.

Requirements

Minimum of two years of experience as a Finance & Insurance Manager within the automotive industry.
Comprehensive understanding of finance and insurance products relevant to the automotive sector.
Proven track record of meeting or exceeding sales targets and contributing to dealership profitability.
Excellent communication and interpersonal skills, with the ability to explain complex financial concepts clearly.
Strong negotiation and customer service skills.
Detail-oriented and organized, able to manage multiple tasks and paperwork efficiently.
Knowledge of industry regulations and compliance standards related to finance and insurance transactions.
Proficiency in dealership management software and tools including Dealertrack, Route1, Elead, Vauto, and Darwin.
Bachelor's degree in Finance, Business Administration, or a related field is preferred.

Technology and systems

Technologies used in this role include Dealertrack, Route1, Elead, Vauto, and Darwin.

Position details

Location: Bentonville, AR (onsite)

Job type: Full-time

Experience preferences: Finance 1 year, Sales 1 year, Sales management 1 year (preferred)

Education preference: Bachelor's degree in Finance, Business Administration, or a related field (preferred)

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Automotive Finance Manager - Experienced

Pallotta Ford Wooster, OH

13d ago

$80k - $130k/yr Full time Manager Automotive Client Relations

Manager Automotive Client Relations

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Job Description

Pallotta Ford is a 37 year old family owned dealership in Wooster, Ohio. We offer an onsite opportunity for an experienced Automotive Finance Manager to lead our finance department with energy, professionalism, and a customer‑focused approach. In this role you will guide clients through financing options, streamline loan processing, and ensure regulatory compliance, all while partnering with the sales team to deliver an exceptional buying experience. The position comes with a competitive pay range and a robust benefits package designed to support you and your family.

Responsibilities

Oversee the complete financing process, including loan approvals, credit analysis, and contract preparation, ensuring precision and adherence to TILA regulations.
Foster strong customer relationships by understanding financial needs and delivering tailored financing solutions that improve the vehicle purchasing journey.
Perform thorough credit assessments using financial software and execute essential math calculations to determine suitable financing options.
Negotiate loan terms with customers, clearly explaining options, rates, and payment structures to enable informed decisions.
Upsell additional products such as extended warranties, insurance packages, and other dealership offerings to boost value for customers and revenue for the dealership.
Handle title transfers and processing, ensuring timely and accurate documentation completion.
Collaborate with the sales team to support automobile sales through effective financing strategies and superior customer service.

Requirements

3 to 5 years of proven experience in automotive finance management or as a loan officer in a dealership setting.
Strong customer relationship management skills to build trust and loyalty throughout the financing process.
Expertise in financial services including credit analysis, loan processing, contracts, and title processing procedures.
Excellent negotiation abilities with the confidence to upsell without pressure tactics.
Proficiency with financial software systems and efficient 10-key data entry skills.
Knowledge of TILA regulations to ensure lending practices comply with federal law.
Solid understanding of automobile sales processes combined with a commitment to delivering a top‑tier customer experience.
Basic math skills for calculating payments, interest rates, and creditworthiness assessments.

Skills

3 to 5 years proven experience in automotive finance management or loan officer roles within a dealership setting.
Strong customer relationship management skills to foster trust and loyalty throughout the financing process.
Expertise in financial services, including credit analysis, loan processing, contracts, and title processing procedures.
Excellent negotiation skills paired with the ability to upsell products confidently without pressure tactics.
Proficiency with financial software systems and the ability to perform 10-key typing efficiently for data entry tasks.
Knowledge of TILA regulations to ensure all lending practices are compliant with federal laws.
Solid understanding of automobile sales processes combined with customer service excellence to deliver a positive buying experience.
Basic math skills necessary for calculating payments, interest rates, and creditworthiness assessments.

Benefits

401(k) matching
Dental insurance
Employee discount
Health insurance
Health savings account
Life insurance
Vision insurance

Pay

$80,000 - $130,000 per year

Work Location

Onsite in Wooster, Ohio

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Financial Adviser

CROWN FINANCIAL GROUP Little Rock, AR

15d ago

$125k - $150k/yr Full time Adviser Advisor Business Development

Adviser Advisor Business Development

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Job Description

Responsibilities

Gather comprehensive data on each client's financial situation, goals, and constraints to craft customized financial plans aligned with short- and long-term objectives.
Provide recommendations across a broad range of financial products and services that match the client’s risk tolerance and timelines.
Proactively network and cultivate relationships to build a resilient client base and drive ongoing business opportunities.
Pursue opportunities to present educational sessions, seminars, and demonstrations to educate clients and promote services.
Continuously monitor market conditions and industry trends to inform guidance and adapt plans as needed.

Requirements

Bachelor's degree in finance or a related field from an accredited program.
Prior experience as a Financial Adviser or in a closely related role.
Active professional qualifications such as FCA, CII, DipFA, CISI, or other recognized credentials.
Solid understanding of financial data and market indicators to interpret implications for client guidance.
Ability to provide reliable, data-driven financial advice that supports decision making.
Skill at explaining complex financial concepts in clear, simple terms for clients.
Strong negotiation, communication, and presentation abilities to engage clients and convert opportunities.

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Associate Financial Advisor

CROWN FINANCIAL GROUP Oxford, MS

15d ago

$92k - $110k/yr Full time Advisor Associate Business Development

Advisor Associate Business Development

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Job Description

Crown Financial Group seeks an on-site Associate Financial Advisor in Oxford, MS, offering USD 92,000 - 110,000 per year.

Responsibilities

Collect and analyze comprehensive client financial data to assess current circumstances, goals, risk tolerance, and develop tailored, actionable financial plans
Assess client objectives and propose a range of suitable financial products and services designed to help meet short and long term goals
Proactively network within the community and industry to build trusted relationships and grow a durable, high‑potential client base
Identify speaking engagements and educational opportunities to inform clients about financial planning while promoting services and building conversion opportunities
Monitor market developments and industry trends to keep recommendations current and aligned with changing conditions
Demonstrate a commitment to ongoing professional growth by engaging in continuing education, attending seminars, and pursuing relevant training

Requirements

Bachelor’s degree in finance or a related field from an accredited program
Prior experience in a financial advisory role or an equivalent position within the financial services sector
Valid qualification certificates such as FCA, CII, DipFA, CISI, or other recognized credentials
Strong ability to interpret market data and translate insights into practical guidance for clients
Proven track record delivering data-driven financial recommendations that clients can trust
Skilled at simplifying complex financial concepts so clients with diverse backgrounds can understand
Proficiency with a broad set of software tools including Microsoft Office, Excel, financial planning platforms, and CRM systems
Strong negotiation, written and verbal communication, and presentation abilities essential for client interactions and stakeholder engagement

Technologies

Microsoft Office
Excel
Financial planning software
Customer relationship management software

Benefits

Performance-based bonus opportunities tied to annual results
Clear pathways for career progression and promotion within the firm
Ongoing training and development programs to enhance skills and knowledge
Wellness resources and employee assistance initiatives
Career advancement opportunities across the organization
Flexible scheduling options to support work‑life balance
Competitive total compensation package aligned with market standards

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Vice President, Debt Capital Markets

Buckingham Companies Indianapolis, IN

19d ago

Full time Banking Capital Cash Flow

Banking Capital Cash Flow

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Job Description

Buckingham Companies, based in Indianapolis, Indiana, seeks a Vice President of Debt Capital Markets to lead the sourcing, structuring, and management of debt capital in support of acquisitions, development, and refinancing. The role emphasizes building and managing lender relationships, guiding portfolio-level debt strategy and execution, and advising executive leadership and the Investment Committee. This onsite position demands a deep understanding of real estate debt markets and a track record of closing complex financing transactions.

Responsibilities

Oversee portfolio‑level leverage strategy and ensure alignment with corporate investment objectives
Strategically manage allocations to fixed and variable interest rate commitments, debt maturities ladder, and cost of borrowing, including collaboration with and reporting to the CEO and Investment Committee
Optimize overall cost of capital while maintaining prudent risk management standards
Monitor and report portfolio exposure to interest rate risk, recourse obligations, and covenant compliance
Act as a trusted advisor by delivering strategic market insights and customized financing solutions
Proactively manage upcoming debt maturities, renewals, extensions, loan covenants, and related items
Lead monthly capital markets meetings to review pipeline financing, transaction status, issues, and upcoming maturities
Maintain ongoing market intelligence on spreads, lender appetite, construction lending trends, and refinancing conditions; provide periodic market updates to leadership
Lead sourcing, structuring, and negotiation of acquisition, development, bridge, and permanent financing across a diverse lender base
Develop and manage multiple lender relationships, continually monitoring debt markets and terms
Lead the capital solicitation process, including lender outreach, term sheet negotiation, and preparation of financing recommendations
Negotiate term sheets, loan documents, covenants, guarantees, reserves, and closing deliverables in partnership with internal legal counsel
Evaluate and recommend corporate‑level credit facilities, warehouse lines, or structured financing alternatives as appropriate
Prepare and present financing recommendations to executive leadership and the Investment Committee
Lead internal and external presentations and transaction marketing efforts
Lead cross‑functional teams across Investments, Development, and Asset Management to execute financing strategies
Develop and improve internal financing processes, templates, and reporting tools to ensure consistency, transparency, and scalability, including the company’s debt management software
Oversee lender compliance reporting requirements, including quarterly/annual financial reporting, covenant forecasting and testing, and lender communications
Create and manage internal and external reporting as required
Other duties as assigned by supervisor

Requirements

Bachelor’s degree in finance, real estate, or a related field required
MBA preferred
7+ years of progressive experience in real estate capital markets, structured finance, investment management, or related roles, with multifamily experience preferred
Deep expertise in real estate debt markets and loan structuring
Demonstrated experience leading and closing complex acquisition, development, and refinancing transactions
Experience with agency lending, construction lending, bridge financing, and structured capital solutions preferred
Strong negotiation skills and ability to manage complex, multi‑party transactions
Executive presence with the ability to communicate effectively at the Investment Committee level
Advanced financial modeling and underwriting skills
Strong lender network across banks, agencies, life companies, debt funds, and CMBS lenders
Strategic thinker with strong judgment and transaction execution skills
Collaborative leadership style with strong cross‑functional influence
High integrity, accountability, and ability to thrive in a fast‑paced environment
Strong analytical skills
Ability to multitask, prioritize, and meet changing deadlines
High degree of accountability and ownership
Big picture and strategic thinking skills
High degree of professionalism
Results oriented and solution focused
Excellent judgment and decision‑making skills
Ability to communicate transparently and share information effectively across all departments
Ability to multi‑task, prioritize, and meet changing deadlines

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AR/Collections/Credit Manager

Confidential Springfield, OH

20d ago

$60k - $70k/yr Full time Manager Accounting Accounts Receivable

Manager Accounting Accounts Receivable

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Job Description

Join a team that prioritizes safeguarding the company’s financial health while supporting ongoing growth. This on-site AR, Collections, and Credit Manager role is based in Springfield, OH, with a competitive salary range of USD 60,000 to 70,000 per year. The position offers a robust benefits package, a collaborative culture, and the opportunity to shape credit strategy and cash flow planning.

Benefits

Medical & Prescription Coverage
Dental & Vision Coverage
Hospital & Accident Indemnity Coverage
Company Paid Basic Life Insurance (Employee, Spouse, & Children)
Company Paid Short-Term & Long-Term Disability
Additional Group Life Insurance
Paid Time Off (Immediately Available Upon Hire)
Holiday Pay
Traditional & Roth 401(k) Options with annual company match
Employee Referral Program
401(k)
401(k) Matching
AD&D Insurance
Dental Insurance
Disability Insurance
Health Insurance
Life Insurance
Paid Time Off
Vision Insurance

Responsibilities

Establish and maintain credit rating criteria and determine credit limits
Oversee the credit approval and review process to ensure compliance with company policy
Manage and maintain accurate customer credit files and documentation
Conduct periodic reviews and updates of corporate credit policies and procedures
Analyze delinquent accounts and collaborate with branch managers to implement effective collection strategies
Support negotiations of payment arrangements to minimize risk and optimize cash flow
Prepare and present regular reports to senior management on credit risk, collections performance, and outstanding receivables

Requirements

Proven experience as a Credit Manager or in a similar credit and risk management role
Strong knowledge of credit regulations, compliance standards, and relevant financial laws
Demonstrated experience conducting credit evaluations and risk assessments
Proficiency in credit management systems, databases, and financial software applications
Excellent analytical, decision-making, and negotiation skills
Strong organizational, leadership, and team management abilities
Prefer a Bachelor’s degree in business administration, Finance, or a related field