وظيفة أخصائي تمويل وتأمين - تمويل المعدات والشاحنات شاغرة لدى SANY Saudi Arabia في الرياض

SANY Saudi Arabia is recruiting F&I Specialist - Equipment & Truck Financing

Job Overview

We are seeking an experienced F&I Specialist - Equipment & Truck Financing to manage and support the financing process for equipment and truck sales. The successful candidate will work closely with the Sales Team, customers, and financial institutions to facilitate smooth financing transactions, provide suitable financial solutions, and contribute to sales growth and profitability.

The role requires a strong understanding of financing products, financial analysis, customer relationship management, and applicable regulatory requirements. The ideal candidate will have experience in automotive, commercial vehicle, heavy equipment, or equipment financing.

Key Responsibilities

1. Financial Consultation

• Consult with customers regarding financing options for equipment and truck purchases.
• Assess customers' financial requirements and recommend appropriate financing solutions.
• Explain financing terms, repayment structures, interest rates, fees, and related products clearly and professionally.
• Support customers throughout the financing process and ensure a positive customer experience.

2. Financing & Loan Origination

• Manage the complete financing application process from initial application through approval and completion.
• Collect, review, and verify required customer and financial documentation.
• Liaise with banks, leasing companies, financial institutions, and other lending partners to obtain competitive financing terms.
• Follow up on pending applications, approvals, documentation, and disbursements to ensure timely transaction completion.

3. Sales Support & Business Development

• Work closely with the Sales Team to identify financing opportunities and increase the financing penetration rate.
• Provide sales teams with guidance and training on available financing products and F&I processes.
• Participate in customer meetings and sales negotiations when financing support is required.
• Develop strong relationships with financial institutions and financing partners to expand available financing solutions.

4. Compliance & Documentation

• Ensure all financing activities comply with applicable company policies, laws, regulations, and financial requirements.
• Maintain accurate and complete financing records and customer documentation.
• Ensure proper authorization and documentation are obtained before finalizing financing transactions.
• Maintain confidentiality and security of customer financial information.

5. Customer Service

• Provide professional and responsive support to customers throughout the financing and purchasing process.
• Address customer questions, concerns, and financing-related issues promptly.
• Maintain strong customer relationships and support repeat business and referrals.

6. Revenue & Profitability Optimization

• Develop and implement strategies to increase F&I revenue and profitability.
• Identify opportunities to cross-sell and upsell relevant financing products, insurance, warranties, service packages, and other approved value-added products.
• Monitor financing performance and identify opportunities to improve conversion rates and profitability.

7. Market Research & Reporting

• Monitor market trends, financing rates, competitor offerings, and developments within the equipment and truck financing industry.
• Maintain an understanding of customer financing needs and market conditions.
• Prepare regular reports on financing applications, approvals, conversion rates, revenue, and other relevant KPIs.
• Provide recommendations to management regarding financing products and commercial strategies.

Qualifications & Requirements

• Bachelor's degree in Finance, Business Administration, Accounting, Economics, or a related field.
• 3-5 years of relevant experience in F&I, automotive financing, commercial vehicle financing, heavy equipment financing, banking, leasing, or a related field.
• Experience with equipment, truck, construction machinery, or commercial vehicle financing is highly preferred.
• Strong understanding of financial products, lending processes, credit assessment, and financing principles.
• Good knowledge of applicable financing regulations and compliance requirements.
• Strong negotiation, analytical, and problem-solving skills.
• Excellent customer relationship and sales skills.
• Strong communication and presentation skills.
• Fluent in both Arabic and English, written and spoken.
• Proficiency in Microsoft Office and relevant CRM/finance systems.

Key Competencies

• Financial Analysis & Credit Assessment
• F&I Product Knowledge
• Sales & Business Development
• Negotiation & Communication
• Customer Relationship Management
• Regulatory Compliance
• Revenue & Profitability Management
• Market & Competitor Analysis
• Problem Solving
• Attention to Detail

Key Performance Indicators (KPIs)

• Financing penetration/conversion rate
• Number and value of financed equipment and truck sales
• Financing revenue and profitability
• Loan/financing approval rate
• Average financing turnaround time
• Customer satisfaction
• F&I product penetration and upselling performance
• Quality and compliance of financing documentation
• Relationships and business volume generated through financing partners