Financial Services Representative

About the role

You will own the end-to-end financial services workflow within the retail environment, acting as the primary liaison between customers, sales teams, and internal finance partners to ensure seamless transaction execution. You will cultivate deep product knowledge of financing solutions and insurance offerings to confidently articulate value and address complex client inquiries with precision. This role requires you to own the accuracy and compliance of all documentation, ensuring that every file meets regulatory standards and internal quality benchmarks before finalization. You will leverage analytical thinking to diagnose credit scenarios, interpret financial data, and propose structured solutions that align with company risk guidelines. In this capacity, you are responsible for maintaining the integrity of the sales pipeline by providing real-time feedback and collaborating with leadership to remove roadblocks that hinder customer approval. You will champion the customer experience by de-risking the purchasing journey, translating technical terminology into clear, confident communication that builds trust. This position demands ownership of key performance indicators, including but not limited to approval rates, cycle times, and customer satisfaction, driving continuous improvement in every interaction. You will serve as an ambassador of the ONE Network Executing mission, embodying the values of excellence, integrity, and service in every touchpoint with stakeholders.

Key facts

What you'll do

Investigate and resolve complex credit scenarios by analyzing financial documentation, income verification, and banking histories to determine optimal funding pathways for diverse customer profiles.

Conduct in-depth vehicle specification walkthroughs, ensuring that all product features, warranty options, and protective add-ons are clearly communicated and aligned with client needs.

Orchestrate the preparation and submission of retail contracts and credit applications, meticulously verifying data accuracy, signature completeness, and regulatory adherence before final submission.

Facilitate proactive communication with insurance carriers and underwriting partners to secure timely binders, endorsements, and policy documentation for commercial and personal lines.

Perform comprehensive market scans to benchmark competitive financing structures, identifying opportunities to optimize product positioning and enhance customer value perception.

Deploy advanced questioning techniques to uncover latent customer needs, then tailor financing and insurance recommendations that drive conversion while preserving long-term relationship equity.

Monitor portfolio performance metrics daily, identifying trends in declinations, loss runs, and payment behaviors to inform strategic adjustments and risk mitigation strategies.

Collaborate with operations and logistics teams to synchronize delivery timelines, ensuring that vehicle commitments, insurance effective dates, and funding milestones are fully aligned.

Lead targeted training initiatives for dealership personnel, sharing best practices in financial documentation, compliance protocols, and consultative selling methods.

Utilize dealership management systems to generate real-time reports on unit activity, receivables aging, and service contract enrollment, enabling data-driven decision-making at all levels.

Champion the adoption of digital retailing tools, guiding customers through seamless online application processes while maintaining the highest standards of data security and privacy.

Coordinate with finance partners to structure flexible payment options, ensuring that contract terms reflect customer cash flows without compromising portfolio risk thresholds.

Perform detailed reconciliations of billing statements, identifying discrepancies in charges, payments, and adjustments, and resolving them with internal teams swiftly and professionally.

Serve as the central hub for post-sale service inquiries, managing warranty renewals, lien releases, and documentation updates with meticulous attention to detail and regulatory compliance.

Requirements

Must be at least 21 years of age to ensure maturity and professional judgment in handling complex financial transactions and sensitive customer data.

Possess a high school diploma or equivalent credential, demonstrating foundational knowledge in communication, mathematics, and business principles essential for role success.

Hold a valid driver's license with a clean driving record, as this role may require occasional travel between facility locations and client sites during standard business hours.

Be eligible for employment in the United States and not require work authorization sponsorship at this time, as the position demands immediate start capabilities and autonomous decision-making.

Be legally authorized to work in the state of Pennsylvania without restriction, ensuring full compliance with regional employment regulations and tax documentation requirements.

Demonstrate strong written and verbal communication skills, enabling precise articulation of financial products, contractual terms, and regulatory information to diverse audiences.

Exhibit a professional demeanor and ethical conduct at all times, maintaining confidentiality, integrity, and trust when managing sensitive financial and personal information.

Possess basic proficiency in Microsoft Office Suite, particularly Excel and Word, to accurately complete forms, analyze data, and prepare detailed correspondence.

Be able to perform duties in a traditional dealership environment, which may include exposure to noise, varying temperatures, and extended periods of standing or walking within the facility.

Display strong organizational skills and attention to detail, managing multiple priorities and deadlines simultaneously while maintaining accuracy in documentation and data entry.

Demonstrate a commitment to compliance with all federal and state regulations governing financial services, including but not limited to truth-in-lending, fair credit reporting, and anti-money laundering rules.

Possess a customer-centric mindset, showing patience, empathy, and problem-solving abilities when navigating complex client situations and high-expectation scenarios.

Be willing to participate in ongoing training and certification programs to maintain up-to-date knowledge of product offerings, regulatory changes, and industry best practices.

Nice to have

Previous experience in automotive finance, fleet management, or commercial lending environments, with a demonstrable track record of processing retail and wholesale transactions efficiently.

Familiarity with dealership management software platforms and CRM systems, enabling rapid adaptation to proprietary tools and reporting frameworks.

Understanding of commercial vehicle specifications, warranty structures, and service contract offerings, allowing for more informed consultative discussions with technical stakeholders.

Experience working within a unionized environment, demonstrating respect for collective bargaining agreements, safety protocols, and collaborative labor relations.

Knowledge of Canadian provincial regulations regarding retail financing and vehicle licensing, particularly for cross-border operations and multi-jurisdictional account management.

Ability to engage with diverse customer segments, including small business owners, municipal fleets, and regional transportation providers, with cultural sensitivity and professionalism.

Practical notes

This role operates within the standard business hours of the Reading, Pennsylvania location, aligning with dealership operating schedules that may include peak periods during weekends and month-end closing cycles.

Occasional travel between affiliated Premiertruck facilities may be required to support operational initiatives, attend training sessions, or participate in cross-functional project work.

Candidates must meet all eligibility criteria without reliance on work authorization sponsorship, as outlined in the Requirements section.