Commercial Relationship Manager

Location

Auburn Hills, MI | United States

Job description

Commercial Relationship Manager

Stellantis Financial Services (SFS) is the new captive finance company for one of the world's leading automakers and a mobility provider with iconic brands including Abarth, Alfa Romeo, Chrysler, Citroën, Dodge, DS Automobiles, Fiat, Jeep®, Lancia, Maserati, Opel, Peugeot, Ram, Vauxhall, Free2move and Leasys.

Our exciting growth provides opportunities to advance your career as we successfully lead products and services from a small to midsize company in just a few years. Join our world class team and culture and contribute to our core mission which is enhancing our customer's experience.

Position Summary:

The Commercial Relationship Manager will be responsible for managing and enhancing our relationships with commercial clients. Responsibilities will include sales, dealer on-boarding, on-going dealer servicing and monitoring, and work out. This role will work closely with clients to understand their business objectives and provide them with tailored financial solutions. Exceptional communication skills, strong business acumen, and ability to build long-lasting relationships will be vital to succeed in this role.

Essential Job Duties and Responsibilities:

• Engage directly with Field Sales to build dealer relationships. Participate in the sales process with responsibility for Commercial sales objectives.
• Full qualification of Commercial loan prospects.
• Structure SFS Commercial loans, including pricing in accordance with SFS pricing model and return targets. Commercial products to include: floorplan, capital loans, line-of-credit, real estate, construction, and cash management.
• Serve as voice-of-the-customer within SFS for Commercial products. Follow through with leadership communication as necessary, product creation, product/process modification, and closing the circle with our dealer customers.
• Coordinate with dealer, Field Sales, and Underwriting to drive an efficient underwriting process with a focus on customer satisfaction.
• Lead the Commercial account on-boarding process, including asset verification and legal document dissemination, completion, and archiving.
• Own the on-going dealer monitoring process, to include financial statement submission, spreading and adjustments, ratio and trend analysis, red flags reporting, and periodic formal account reviews. Also, the effective communication of all the above to appropriate SFS stake holders.
• Anticipate on-going account maintenance - increased security guarantees or pricing in response to increased risk – or – security releases or decreased pricing in response to decreased risk or market pressures.
• Interact with dealers to manage existing SFS Commercial accounts within SFS policies and processes. To include exception escalation and documentation.
• Quickly and effectively respond to any bounced floorplan payments, leveraging developed dealer relationships.
• Contribute to the work-out process with problem accounts; communicating with the dealer, coordinating with Legal, and escalating as needed.
• Collaborate with Commercial Manager to map a development plan tailored to your personal career goals.

Qualifications and Competencies: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Experience:

• Minimum of 3 years automotive commercial lending, including account management experience.

Education:

• Bachelor's degree in Business Administration, Finance or a related field (MBA preferred).

Skills Required:

• Extensive knowledge of accounting, financial statement analysis, cash flow and dealer workout and ability to interpret key financial ratios as defined by SFS.
• Demonstrated analytical and problem-solving abilities, with a strategic mindset.
• Excellent interpersonal and communication skills, with the ability to build trust and rapport with clients and stakeholders.
• Solid negotiation and influencing skills, with the ability to navigate complex situations and resolve conflicts.
• Proficient in using CRM software and Microsoft Office Suite.
• Ability to calculate items relevant to a commercial contract or line of credit.
• Ability to work independently and collaboratively in a team-oriented environment.

To perform the job successfully, an individual should demonstrate the following competencies:

• Leadership – Leads by example. Owns his/her activities and outcomes. Contributes to making SFS a great place to work through daily interactions. Contributes to an environment of continuous learning and improvement. Owns self-development aligning with individual goals.
• Attention to detail – ability to work accurately and to identify, analyze, prevent, and solve problems.
• Customer Service - Manages difficult or emotional customer situations; Responds promptly to customer needs; Solicits customer feedback to improve service; Responds to requests for service and assistance; Meets commitments.
• Interpersonal Skills – Ability to work with others, ability to gain credibility, provide effective customer service and foster positive working relationships with internal and external stakeholders.
• Teamwork - Balances team and individual responsibilities; Contributes to building a positive team spirit.
• Quality Management - Looks for ways to improve and promote quality; Demonstrates accuracy and thoroughness.
• Ethics - Treats people with respect; Keeps commitments; inspires the trust of others; Works with integrity and ethically; Upholds organizational values.
• Judgment - Includes appropriate people in the decision-making process.
• Adaptability - Changes approach or method to best fit the situation; Able to deal with frequent change, delays, or unexpected events.
• Dependability - Follows instructions, responds to management direction; Takes responsibility for own actions; Commits to long hours of work when necessary to reach goals; Completes tasks on time or notifies appropriate person with an alternate plan.
• Initiative - Asks for and offers help when needed.
• Innovation - Meets challenges with resourcefulness; Generates suggestions for improving work.
• Oral Communication - Speaks clearly and persuasively in positive or negative situations; Participates in meetings.
• Written Communication - Writes clearly and informatively; Presents numerical data effectively.
• Problem Solving - Identifies and resolves problems in a timely manner.

• Overtime required – work weekends as needed.
• Travel - 40% is required.
• Must live within a commutable distance to one of the following cities: Auburn Hills, MI

Qualifications Preferred:

• Knowledge of industry specific web-based tools such as DataScan, Tableau, Jericho, AsssureSign, etc.

Physical Demands The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this Job, the employee is regularly required to sit; use hands to finger, handle, or feel reach with hands and arms and talk or hear. The employee is frequently required to reach with hands and arms. The employee is occasionally required to stand; walk and stoop, kneel, crouch, or crawl. The employee must occasionally lift and/or move up to 10 pounds. Specific vision abilities required by this job include close vision.

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Salary