Subprime Financial Manager

Automotive Financial Advisor (F&I) (2nd and 3rd Credit Chance)

Joliette Mitsubishi — Notre-Dame-des-Prairies (Lanaudière) • Permanent, full-time position
Compensation 100% performance-based — potential $120,000 to $180,000+

You will work with qualified leads generated by our proprietary platform monfinancementauto.com and dealership traffic. Your role is not cold calling: it involves converting real inquiries into profitable deliveries.

Your responsibilities

Sales side

• Greet and qualify the customer: needs, actual budget, payment capacity, down payment, interactions
• Select the appropriate vehicle (new or used) based on credit profile and loan structure
• Negotiate the transaction and finalize the agreement

Financing side

• Prepare the financing file: application, verifications, structuring the down payment, interactions, collateral guarantee
• Present and get approval for the file with our network of specialized lenders
• Sell F&I products: mechanical protection, credit insurance, replacement warranty, appearance protection, engraving
• Prepare delivery and ensure compliance on each file

Results side

• Achieve your volume targets, F&I penetration, and average profit per file
• Maintain high customer satisfaction

The profile sought

Non-negotiable

• Minimum 3 years of automotive sales experience with actual exposure to financing (file assembly, presentation to lenders, sale of F&I products)
• Solid understanding of alternative lenders and underwriting criteria
• Valid driver's license

What makes a difference

• Direct experience in specialized credit (2nd/3rd credit chance)
• Familiarity with modern DMS systems (Serti, Dealertrack, Reynolds, or equivalent)
• Hunter and advisor profile: ability to close sales and keep the customer engaged during financing
• Bilingualism (an asset)

What we offer

• 100% performance-based compensation plan, structured to prioritize success: vehicle commission + financing commission + product penetration + volume bonus
• Guaranteed advance during onboarding
• Qualified leads fed by monfinancementauto.com — no cold calls
• Used vehicle inventory selected for the specialized credit market (rapid turnover, prices tailored to approvals)
• Direct support from management on complex files — you are never alone
• Group insurance after 3 months
• Stable environment, growing team, involved management daily

Working conditions

• Health and paramedical insurance, disability, medication, vision, travel
• Performance bonuses
• Flexible hours; company closed on weekends
• Continuing education
• Employee discounts
• Free parking

About the position and advancement

This job is an excellent entry point to advance in F&I and specialized auto financing. Similar positions (Finance Director 2nd and 3rd credit chance) may be available in the Notre-Dame-des-Prairies area through CanadaMotorJobs.com.

How to apply

Send your resume with a brief summary. Be concise and highlight your relevant experience in auto sales and financing, as well as your ability to close F&I transactions.