Finance Manager - Knoxville
4 hours ago
Job description
Knowledge And Skill RequirementsUnderstanding of basic financing principles, deal structures, and how financial decisions impact customer value and organizational profitability.
General knowledge of legal, procedural, and risk‑mitigation requirements related to financial transactions and customer documentation.
Ability to manage detailed paperwork, maintain accuracy, and oversee smooth workflow across multiple steps in the sales and financing process.
Skill in leading teams, interpreting performance data, and driving process improvements to support operational efficiency and organizational goals.
Education Requirements
Bachelor's degree with a concentration in business, finance, accounting, or a related field.
Equivalent work experience in sales support, finance, lending, or equipment dealership operations may be substituted in place of a degree.
Essential Job Functions
Deal Structuring & Sales Support
Manage and guide the finance representatives responsible for performing all deal‑structuring and compliance tasks, ensuring consistency, accuracy, and efficiency across the team.
Support sales reps in closing deals, overcoming objections, and presenting value messages tied to total cost of ownership (TCO).
Ensure all required compliance checks are completed for every deal—including lien searches, lien clearance, and other risk‑mitigation steps
Lead the Financing Process (Cat Financial + Other Lenders)
Lead, manage, and coach the finance representatives who prepare and process all financing documentation, ensuring accuracy, compliance, and consistency across all transactions.
Prepare and submit finance applications to Cat Financial and alternative lenders (banks, lease companies, municipal finance partners), while overseeing and guiding reps who perform these same tasks.
Align each deal with Caterpillar Financial Services' current programs, seasonal specials, lease structures, and incentives, ensuring finance reps follow the same standards.
Negotiate approvals, terms, and conditions to match customer credit profiles and mentor and train sales reps in these areasAdvise customers on financing solutions—directly and through the team you lead—including:
Installment loans
Finance leases
Cat Card
Governmental/municipal financing packages
Rental Purchase Options (RPOs)
Manage Documentation & Delivery Requirements
Lead and oversee the finance representatives responsible for preparing, collecting, and processing all deal documentation, ensuring accuracy, timeliness, and compliance throughout the sales and financing process.
Oversee complete, accurate documentation for:
Sales contracts
Lease agreements
UCC filings
RPO conversions
Customer insurance requirements
Government bidding documentation
Communicate proactively with customers to explain documentation requirements, collect necessary records, clarify any missing information, and ensure all signatures and approvals are obtained.
Maintain ongoing communication with Sales Representatives to provide clear visibility into where each deal stands within the finance and sales workflow, including outstanding items, funding status, and timeline for equipment delivery.
Review, approve, and sign off on completed deal packets to authorize billing, ensuring all financial, compliance, and documentation standards are fully met before processing.
Ensure Regulatory Compliance & Protect the Dealership From Risk
Maintain full compliance with all federal, state, and industry regulations, including Truth in Lending, OFAC, Red Flags, privacy rules, and required disclosures.
Prevent fraudulent or high‑risk transactions by validating customer identity, residence, income, and business legitimacy as required.
Confirm that proper insurance coverage is in place before delivery and that all lender‑required conditions (stips) are satisfied.
Identify and correct incomplete, inaccurate, or non‑compliant documentation to protect the dealership from financial, legal, and reputational risk.
Customer & Lender Relationship Management
Act as a senior financial advisor throughout the sales process, guiding customers through financing, leasing, tax considerations, and total cost of ownership (TCO) impacts in clear, customer‑friendly language.
Maintain strong working relationships with Caterpillar Financial, as well as banks, leasing companies, credit unions, and municipal finance partners, ensuring open communication, fast turnaround times, and access to competitive financing solutions.
Collaborate with lending partners to resolve application issues, negotiate terms, and secure approvals that best support both customer needs and dealer profitability.
Ensure faster, smoother funding and equipment delivery by coordinating effectively with customers, lenders, and internal teams.Report & Track Key Performance Metrics
Monitor, analyze, and review sales‑department financial results with management to identify trends, opportunities, and areas for improvement, ensuring alignment with dealer profitability goals.
This role provides direction, coaching, and performance management for the finance team, ensuring consistent processes, high accuracy, and strong customer support across all transactions.
It fosters a culture of accountability and continuous improvement by setting clear expectations, developing team capabilities, and driving alignment with organizational goals.
Preferred Experience And SkillsExperience with Microsoft Office suite is required. Salesforce and DBS experience is preferred.
Strong knowledge of financial products and commercial lending practices.
Physical And Mental Requirements
Must be able to pass background check, physical exam and drug screening test.
Work Environment
Most work is conducted in a comfortable office environment but exposure to site conditions may also occur. Personal protective equipment must be worn in areas as required. Although the work usually is not considered inherently dangerous, employees must be careful while performing onsite services.
This job description is not intended to be all-inclusive, and the employee will also perform other reasonably related business duties as assigned by immediate supervisor and other management as required.
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