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.

Job Summary:

The Commercial team serves as Stellantis Financial Services’ subject matter experts for Commercial Lending. Responsibilities include sales, dealer on-boarding, on-going dealer servicing, risk mitigation, and work out. The Commercial Relationship Manager (CRM), under the direction of the Director of Commercial Lending Operations, interacts directly with dealers to carry out responsibilities. As we are a new department, this is an opportunity to help shape a captive automotive commercial lending department for long-term success. The first several months will be spent in part developing processes and policies, working with key vendors on systems, and creating a dealer value proposition to set SFS up for success.

Essential Duties & Responsibilities:

• Personal career growth – work with Director, Commercial to map a development plan tailored to your personal career goals
• 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 creation, dissemination, and archiving
• Own the on-going dealer risk mitigation 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 of the above to appropriate SFS stake holders
• On-going account maintenance, for example: 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

Competencies:

• Leadership – Lead by example. Own his/her activities and outcomes. Contribute to making SFS a great place to work through daily interactions. Contribute to an environment of continuous learning and improvement. Own self-development aligning with individual goals
• Attention to detail – Ability to work accurately and to identify, analyze, prevent and solve problems
• Customer Service - Manage difficult or emotional customer situations; respond promptly to customer needs; solicit customer feedback to improve service; respond to requests for service and assistance; meet commitments
• Interpersonal Skills – Work with others, ability to gain credibility, provide effective customer service and foster positive working relationships with internal and external stakeholders
• Oral Communication – Translate, summarize, and communicate complex ideas and clearly articulate concepts to multiple audiences
• Written Communication –Write clearly and informatively, edit work for spelling and grammar, present numerical data effectively, read and interpret written information
• Teamwork - Balance team and individual responsibilities; contribute to building a positive team spirit
• Quality Management - Look for ways to improve and promote quality; demonstrate accuracy and thoroughness
• Ethics - Treat people wit