Finance Manager

Sunrise, FL (onsite) Coastal Construction Equipment LLC is hiring a Finance Manager to lead dealership finance and deal structuring end-to-end. In this role, you will help protect the business through strong regulatory compliance and risk mitigation while delivering clear, customer-focused financing solutions. You will manage and coach a finance team, coordinate with Cat Financial and other lenders, and use performance insights to improve how deals move from application to funded delivery.

What you will do

• Lead and coach finance representatives who perform deal structuring and compliance tasks, ensuring consistent, accurate, and efficient execution.
• Partner with Sales to structure deals that balance customer needs with dealership profitability goals.
• Support deal closing by helping reps address objections and communicate value messages tied to total cost of ownership (TCO).
• Ensure required compliance checks are completed for every deal, including lien searches, lien clearance, and other risk mitigation steps.
• Oversee preparation and processing of financing documentation, driving accuracy, compliance, and consistency across all transactions.
• Prepare and submit finance applications to Cat Financial and alternative lenders, including banks, lease companies, and municipal finance partners.
• Keep every deal aligned with Caterpillar Financial Services programs, seasonal specials, lease structures, and incentives.
• Negotiate approvals, terms, and conditions to match customer credit profiles and mentor/train sales on these topics.
• Advise customers on financing solutions including installment loans, finance leases, Cat Card, governmental/municipal financing packages, and Rental Purchase Options (RPOs).
• Oversee complete, accurate deal documentation covering sales contracts, lease agreements, UCC filings, RPO conversions, customer insurance requirements, and government bidding documentation.
• Communicate proactively with customers to explain documentation requirements, collect records, clarify missing information, and secure all signatures and approvals.
• Maintain visibility into deal status with Sales, including outstanding items, funding status, and delivery timeline.
• Review and sign off on completed deal packets to authorize billing after ensuring financial, compliance, and documentation standards are met.
• Maintain full compliance with federal, state, and industry regulations such as Truth in Lending, OFAC, Red Flags, privacy rules, and required disclosures.
• Ensure secure handling and proper storage of customer information in alignment with dealer and CAT Financial compliance standards.
• Prevent fraudulent or high-risk transactions by validating customer identity, residence, income, and business legitimacy as required.
• Confirm insurance coverage is in place prior to delivery and that lender requirements (stips) are satisfied.
• Identify and correct incomplete, inaccurate, or non-compliant documentation to reduce financial, legal, and reputational risk.
• Act as a senior financial advisor throughout the sales process, guiding customers through financing, leasing, tax considerations, and TCO impacts in clear, customer-friendly language.
• Coordinate with customers, lenders, and internal teams to support faster, smoother funding and equipment delivery.
• Monitor, analyze, and review sales department financial results with management to identify trends, opportunities, and improvement areas.
• Drive performance management and process consistency for the finance team, emphasizing customer support and high accuracy.
• Build a culture of accountability and continuous improvement by setting clear expectations and supporting team capability growth.

Qualifications

• Bilingual: Spanish & English
• Understanding of basic financing principles, deal structures, and how financial decisions affect customer value and organizational profitability
• General knowledge of legal, procedural, and risk-mitigation requirements for financial transactions and customer documentation
• Ability to manage detailed paperwork and oversee a multi-step sales and financing workflow while maintaining accuracy
• Strong communication skills with customers, internal teams, and external partners, including issue resolution and relationship-building
• Ability to lead teams, interpret performance data, and drive process improvements for operational efficiency and business goals
• Bachelor’s degree in business, finance, accounting, or a related field
• Equivalent experience in sales support, finance, lending, or equipment dealership operations may substitute for a degree
• Additional training or certifications in credit, finance, or compliance are a plus
• Microsoft Office suite required
• Salesforce and DBS experience preferred
• Strong knowledge of financial products and commercial lending practices
• Must be able to pass background check, physical exam, and drug screening test

Tools & technology

• Microsoft Office suite
• Salesforce
• DBS

Work environment

• Most work is completed in a comfortable office environment, with possible exposure to site conditions
• Personal protective equipment must be worn in required areas
• Work is usually not considered inherently dangerous, but employees must use care during onsite services

This job description is not all-inclusive. Employees will also perform other reasonably related business duties as assigned by immediate supervisor and other management as required. Coastal Construction Equipment LLC reserves the right to revise or change duties as the need arises. This job description does not constitute a written or implied contract of employment.