Consumer Lending Manager

Who is Elite:

Elite Construction Solutions is a premier nationwide exterior contractor, dedicated to setting new industry standards through innovation, technology, and exceptional service. Our mission is to deliver unique and memorable experiences to all we encounter while elevating the benchmark for exterior construction and restoration.

Position Summary:

The Manager of Consumer Lending is responsible for developing, managing, and optimizing Elite's consumer financing programs to enable sales growth and improve deal conversion rates. This role serves as the primary liaison between Elite and third-party lending partners, ensuring sales teams have access to competitive financing solutions that meet customer needs while maximizing profitability for the company. 

General Responsibilities:

Financing Partnership Management

• Evaluate, negotiate, and manage relationships with consumer lending partners (e.g., GreenSky, Synchrony, Service Finance, Mosaic) and aggregator platforms (e.g. Modernize 360 Finance, 1&Fund, etc.) 
• Monitor dealer fee structures, approval rates, and funding timelines across all lending partners 
• Identify and onboard new lending partners to expand financing options and improve competitive positioning 
• Negotiate preferential rates and promotional programs that benefit both Elite and customers 

Sales Enablement & Training

• Develop financing playbooks and sales tools that help field teams present financing options effectively 
• Train sales managers and representatives on financing products, approval processes, and customer qualification 
• Create deal-closing strategies that leverage financing to overcome customer objections 
• Work with Sales Enablement team to integrate financing best practices into sales certification programs 

Analytics & Program Optimization

• Track and analyze financing KPIs: approval rates, funded amounts, dealer fees, customer take rates, and time-to-fund 
• Perform cost-benefit analysis on financing programs to optimize dealer fee spend vs. conversion lift 
• Develop reporting dashboards to provide visibility into financing performance by market, brand, and sales rep 
• Identify trends in approval rates and recommend adjustments to lending partner mix or qualification criteria 

Customer Experience & Compliance

• Ensure financing processes are customer-friendly and compliant with all applicable consumer lending regulations 
• Resolve escalated financing issues between customers, sales teams, and lending partners 
• Monitor customer satisfaction with financing experience and implement improvements 
• Stay current on consumer lending regulations (TILA, ECOA, state-specific requirements) and ensure compliance 
• Other duties as assigned

Minimum Qualifications:

• Bachelors degree in finance field preferred; equivalent combination of education (GED/High School diploma) and experience required
• 5+ years of experience in consumer lending, dealer finance, or financial services 
• Demonstrated success managing lending partner relationships and negotiating dealer agreements 
• Strong analytical skills with experience using data to optimize program performance 
• Knowledge of consumer lending regulations and compliance requirements
• Excellent training skills; ability to translate complex financing concepts for sales teams 
• Proficiency with CRM systems (Salesforce preferred) and financing platforms 
• Ability to problem-solving and use critical thinking 
• Ability to handle conflict in a professional and courteous manner
• Excellent verbal, electronic, and written communication, and customer service skills
• Work with peers and all departments for the common goals of the organization
• Reliable in meeting work commitments
• Must be flexible and adapt to most any situation
• Ability to utilize technology devices, software and application, previous experience with Microsoft Office Suites and basic computer skills required
• Reliable high speed home broadband internet connection with minimum 25 meg download and 10 meg upload speeds and ability to connect to home internet via ethernet cord is required if working remotely
• Ability to travel, up to 25%

Preferred Qualifications:

• Experience in home improvement, construction, or contractor financing 
• Background working with GreenSky, Synchrony, Service Finance, or similar home improvement lenders 
• MBA or relevant advanced degree 
• Experience with promotional financing programs (same-as-cash, deferred interest, reduced APR) 

Key Success Metrics:

• Financing take rate (% of eligible deals using financing)
• Approval rate across lending partners
• Average dealer fee as % of funded amount
• Time-to-fund (days from approval to disbursement)
• Incremental revenue attributed to financing-enabled deals

Elite Mission:

• Contractors have a bad rep – and let’s be honest, many disreputable contractors over the decades have earned it. Elite’s mission is to be the sales organization of choice and to improve the industry standard. We set the bar high to raise the benchmark.

Elite Vision Statement:

• Operational excellence via technology and a relentless focus on KPIs. Basically, everyone should do their best work to make sure operations run smoothly; we utilize technology to help when possible and we will gauge our success by tracking key performance indicators.

Elite Values:

• At Elite we believe in doing the right thing no matter what. Part of being Elite means owning up to mistakes, being honest and turning away a potential lucrative sale when we know we cannot deliver a desired service. It also means setting up our employees for success.