Subprime Finance Desk Manager

Job overview

The Subprime Finance Desk Manager role is onsite in Saint Charles, MO, supporting financing decisions across several dealership stores. Compensation is $160,000–$190,000 per year. 5 Star Auto Plaza has served automotive customers, including people who have difficulty obtaining traditional financing, for nearly 30 years. The manager analyzes credit applications, selects and negotiates with lenders, and structures transactions that balance customer needs with dealership profitability. The role oversees deals through funding and helps sales teams identify suitable vehicles and financing terms.

What you'll do

• Analyze credit applications and identify relevant financial factors
• select lenders based on subprime programs and underwriting guidelines
• negotiate approvals with credit buyers
• structure deals using lender, vehicle, down payment, and financing terms
• consider vehicle values and inventory economics
• communicate deal plans to sales teams
• oversee contract accuracy, lender stipulations, and funding
• provide occasional customer contracting assistance when needed.

What we're looking for

Skills & competencies

subprime finance desk manager

automotive finance

subprime lending

credit analysis

lender negotiations

deal structuring

funding oversight

saint charles mo

5 star auto plaza

$160k–$190k

profit sharing

full-time

Work arrangement

• Weekend coverage required

Benefits & perks

• Health, dental, and vision insurance
• paid time off
• profit sharing
• training and development
• opportunity for advancement.

Why this role

Multi-store finance desk role with meaningful authority over lender selection, vehicle matching, and deal structure; subprime automotive finance experience is essential.

About the employer

5 Star Auto Plaza is hiring for this role. Industry: Used Car Dealers. Sector: 44.