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Job Description
Finance Application Manager / Home Improvement Loan Manager Future Vision Remodeling San Jose, CA Job Details Full-time $750 - $1,000 a week 13 hours ago Qualifications Business financial process improvement Full Job Description Finance Application Manager / Home Improvement Loan Manager Unsecured Consumer Financing | Contractor Point-of-Sale Finance |
Home Improvement Lending Role Summary:
We are seeking a highly experienced Finance Application Manager / Home Improvement Loan Manager to own the full customer financing process for a home improvement company. This person must be an expert in unsecured consumer financing, contractor/dealer finance portals, loan applications, approvals, stipulations, funding conditions, dealer fees, and sales-team financing support across platforms such as Service Finance, GoodLeap, Aqua Finance, Home Run Financing, Equity Loan Network, GreenSky, EnerBank/Regions, Mosaic, Synchrony, Foundation Finance, PowerPay, and other home improvement financing providers.
POSITION SNAPSHOT
Reports To Owner, General Manager, VP Sales, or Director of Operations Employment Type Full-time; in-office, hybrid, or remote depending on company needs Primary Focus Unsecured financing approvals, lender management, funding, sales support, and financing operations Industry Home Improvement, Remodeling, Energy Efficiency, Roofing, Solar, HVAC, Windows, Bath, Kitchen Project Categories Roofing, solar, HVAC, windows, doors, insulation, exterior paint, bathroom, kitchen, ADU, landscaping, and general remodeling
CORE RESPONSIBILITIES
Manage the complete customer financing workflow from initial credit discussion through application submission, approval, document signing, project completion, funding, and lender follow-up. Submit, monitor, and manage financing applications through lender portals including Service Finance, GoodLeap, Aqua Finance, Home Run Financing, Equity Loan Network, GreenSky, EnerBank/Regions, Mosaic, Synchrony, Foundation Finance, PowerPay, and other relevant providers. Match each homeowner with the most suitable financing option based on credit profile, project type, loan amount, approval probability, monthly payment target, promotional product, lender rules, dealer fee, and company margin. Handle unsecured loan applications, promotional financing, same-as-cash products, deferred-interest plans, fixed APR installment loans, reduced APR plans, and lender-specific home improvement products. Work directly with lenders to resolve stipulations, identity verification, income or employment verification, homeownership questions, title/property concerns, completion certificates, funding exceptions, and documentation gaps. Support sales representatives during in-home or virtual sales presentations by explaining payment options, approval paths, lender requirements, financing limitations, and next steps in clear customer-friendly language. Build and maintain a lender decision matrix that helps the sales team know which lender to use first, second, and third based on project type, credit profile, desired payment, and dealer fee sensitivity. Track loan approvals, declines, pending applications, funding delays, rehash opportunities, cancellation risks, missing documents, dealer fees, chargebacks, and funded volume. Coordinate with sales, operations, production, accounting, and customer service to ensure financing paperwork aligns with project contracts, change orders, completion milestones, and lender funding rules. Maintain lender relationships, program sheets, approval guidelines, rate/dealer fee schedules, portal access, compliance documents, contractor requirements, and training materials.
REQUIRED EXPERIENCE
Minimum 3-5+ years of hands-on experience in home improvement financing, consumer lending, contractor financing, dealer finance, or point-of-sale finance operations. Direct experience with unsecured home improvement financing is required; experience with secured loans, PACE, home equity, or solar financing is a plus but not a replacement for unsecured lending expertise. Strong working knowledge of lender platforms such as Service Finance, GoodLeap, Aqua Finance, Home Run Financing, Equity Loan Network, GreenSky, EnerBank/Regions, Mosaic, Synchrony, Foundation Finance, PowerPay, or comparable programs. Proven ability to improve approval rates, reduce funding delays, lower application fallout, support sales closing, and protect company profitability from excessive dealer fees or incorrect financing product selection. Understanding of credit tiers, co-applicant strategies where permitted, lender credit boxes, loan amount limits, promotional product rules, dealer fee structures, stipulations, completion documents, and funding conditions. Experience supporting finance sales for roofing, solar, HVAC, windows, doors, bath, kitchen, insulation, exterior paint, or other remodeling/home performance projects.
SKILLS & COMPETENCIES
Excellent communication skills with the ability to explain financing clearly to homeowners, sales teams, lenders, and internal operations staff. High attention to detail; able to catch contract mismatches, incorrect lender products, missing signatures, inaccurate loan amounts, funding risks, and compliance issues before they cause delays. Strong sales-support mindset with the ability to help reps structure payments ethically and effectively without overpromising or misrepresenting loan terms. Comfortable working in CRMs, lender portals, spreadsheets, pipeline trackers, e-signature platforms, and project management systems. Ability to build repeatable processes, train sales teams, document lender rules, create scripts, and standardize finance workflows for scale. Professional judgment, confidentiality, urgency, and a strong understanding of customer trust in financial discussions.
KEY PERFORMANCE INDICATORS
Application-to-approval rate and approval-to-funded rate. Average time from application submission to approval and from completion to funding. Reduction in pending stipulations, missing documents, rework, funding exceptions, and cancelled finance deals. Funded monthly volume, financed project revenue, and financing-supported close rate. Dealer fee control, lender mix optimization, and profitability protection. Sales-team adoption of correct financing process and lender selection guidelines.
PREFERRED QUALIFICATIONS
Prior role as Finance Manager, Loan Manager, Dealer Finance Manager, Consumer Finance Manager, Sales Finance Manager, or Financing Operations Manager for a home improvement, solar, HVAC, roofing, window, or remodeling company. Established relationships with lender representatives, underwriters, account managers, or dealer support teams. Experience creating financing playbooks, lender comparison sheets, sales scripts, monthly payment calculators, approval dashboards, and funding trackers. Knowledge of compliance expectations around consumer finance disclosures, promotional financing language, adverse action handling, customer consent, data privacy, and fair lending practices.
IDEAL CANDIDATE PROFILE
The ideal candidate is a financing operator who understands both lending and sales. They know how to get customers approved, how to move files through lender portals, how to communicate with homeowners professionally, how to support sales without creating compliance risk, and how to protect company margin while increasing financed revenue. This person should be proactive, organized, lender-savvy, detail-oriented, and comfortable owning the entire finance desk for a fast-moving home improvement business.
RECOMMENDED INTERVIEW SCREENING QUESTIONS
Which home improvement finance platforms have you personally used, and what volume did you manage through each? Describe your process for choosing between Service Finance, GoodLeap, Aqua, GreenSky/EnerBank, or other lenders for a specific homeowner. How do you handle a declined application, a conditional approval, or a funding hold? How do dealer fees affect project pricing and lender selection? What reports would you build to manage approval rate, funded volume, pending stipulations, and finance fallout?
COMPENSATION STRUCTURE
Recommended structure: competitive base salary plus performance bonus tied to funded volume, approval rate improvement, funding speed, reduced fallout, and sales-team finance adoption. Final compensation should reflect market, experience level, lender expertise, and size of financing pipeline.
Tipo de puesto:
Tiempo completo
Sueldo:
$750.00 - $1,000.00 a la semana Lugar de trabajo: Empleo presencial
