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Sub Prime Finance Jobs (NOW HIRING)

Norm Reeves Auto Group

Honda Finance Manager

Irvine, CA · On-site

$180K - $320K/yr

As a Finance Manager, you're one of the most important team members at Norm Reeves Honda. You're ... Use your prior experience with credit challenged sub-prime auto loan lending and complete ...

NYLE MAXWELL OF TAYLOR LLC

Finance Contractor

Taylor, TX · On-site

The key responsibilities for a Finance Contractor include selling new and used car buyers financing ... Experience with sub-prime a plus. * 3+ years of automotive sales experience and five years in a ...

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Sub Prime Finance information

See salary details

$47.5K

$98.8K

$206.5K

How much do sub prime finance jobs pay per year?

As of Aug 23, 2026, the average yearly pay for sub prime finance in the United States is $98,757.00, according to ZipRecruiter salary data. Most workers in this role earn between $57,500.00 and $134,500.00 per year, depending on experience, location, and employer.

What is sub prime finance?

Sub prime finance refers to lending practices that provide loans to individuals who have lower credit scores or limited credit history, making them higher risk for traditional lenders. These loans often come with higher interest rates and stricter terms to offset the increased risk to the lender. Sub prime finance is commonly used in auto loans, mortgages, and personal loans, helping people who may not qualify for standard financing options. While it can provide access to credit for those in need, borrowers should carefully consider the terms and potential long-term costs.

What are the key skills and qualifications needed to thrive in sub prime finance?

To thrive in Sub Prime Finance, you need strong analytical abilities, a solid understanding of credit risk, and knowledge of lending regulations, typically supported by a finance or business degree. Familiarity with loan origination systems, credit scoring tools, and compliance software is important for daily operations. Excellent negotiation, customer service, and problem-solving skills are essential to build trust with clients and navigate challenging financial situations. These skills ensure effective risk management, regulatory compliance, and customer satisfaction in a complex lending environment.

What are some common challenges faced by professionals in sub prime finance and how can they be addressed?

Professionals in Sub Prime Finance often encounter challenges such as managing higher default risks, navigating complex regulatory requirements, and maintaining clear communication with clients who may have limited financial literacy. Addressing these challenges requires strong analytical skills, a thorough understanding of compliance standards, and the ability to build trust with clients by explaining loan terms clearly. Additionally, working closely with underwriting teams and staying updated on industry best practices can help mitigate risks and ensure responsible lending.

What is the difference between Sub Prime Finance vs Credit Analyst?

AspectSub Prime FinanceCredit Analyst
Required CredentialsHigh school diploma or equivalent; some roles may require finance or business coursesBachelor's degree in finance, economics, or related field; certifications like CFA can be advantageous
Work EnvironmentFinancial institutions, auto dealerships, or online lending platformsBanks, credit bureaus, or lending companies
Industry UsageLoan origination, auto loans, personal loans, and credit risk assessmentAssessing creditworthiness, analyzing financial data, and approving loans

While Sub Prime Finance professionals focus on providing loans to borrowers with lower credit scores, Credit Analysts evaluate the credit risk of potential borrowers across various loan types. Both roles require financial knowledge, but Credit Analysts typically have more advanced credentials and work in broader financial settings. Understanding these differences helps job seekers identify the right career path in the finance industry.

More about Sub Prime Finance jobs

What cities are hiring for Sub Prime Finance jobs?

Cities with the most Sub Prime Finance job openings:

What states have the most Sub Prime Finance jobs?

States with the most job openings for Sub Prime Finance jobs include:

What job categories do people searching Sub Prime Finance jobs look for?

The top searched job categories for Sub Prime Finance jobs are:

Sub Prime Finance jobs near you
Infographic showing various Sub Prime Finance job openings in the United States as of August 2026, with employment types broken down into 94% Full Time, 4% Part Time, and 2% Contract. Highlights an 80% Physical, 8% Hybrid, and 12% Remote job distribution, with an average salary of $98,757 per year, or $47.5 per hour.

Motorsports F&I

Jay Hatfield Motorsports of Wichita

Wichita, KS

Full-time

Re-posted 18 days ago

Job description

Finance & Insurance Manager

Jay Hatfield Motorsports is in need of a Finance Manager to join our team that has a successful and proven track record of finance and insurance within the automotive industry and/or motorcycle business.  Jay Hatfield Motorsports is a leading dealer of Powersports in Kansas and Missouri and we're excited to be top ranking in Oklahoma for Polaris already!  This position would require management of great closing skills, exceptional desking and strong communication skills.   

ABOUT US and WHAT WE OFFER

.   Take a moment to meet Jay Hatfield and discover our employment benefits and opportunities!      https://youtu.be/J3l8zD5dNf4    

RESPONSIBILITIES

  • Develop relationships with several lenders.
  • Structure deals in accordance with lender and dealership guidelines.
  • Perform credit reviews and credit statement reviews.
  • Create and put in place special finance advertising approved by management.
  • Show and demonstrate on and off road units.
  • Review funding packages to insure all correct documents are collected before finalizing deal.
  • Re-hash deals with lenders - Work all deals and all possible opportunities.
  • Maintain contract in-transit log and respond to all contract issues with urgency.
  • Work with BDC department to set appointments.
  • Work sorting tool to maximize profit and maximize approval rate on all deals.
  • Create and maintain sub-prime finance report to watch trends and make adjustments.
  • Maintain confidentiality of all consumer’s information.
  • Maintain and keep sold inventory log to report out to management weekly and monthly. (This report will allow management to keep track of trends of what units are selling the most with the sub-prime department)
  • Book out all deals with correct equipment list to maximize profit and approval percentage.

QUALIFICATIONS

  • College degree preferred or equivalent experience
  • 1 year+ experience in F&I
  • Knowledge of dealership finance and insurance procedures
  • Professional personal appearance & excellent communication skills.
  • Excellent verbal/written communication, strong negotiation and presentation skills
  • Valid Driver's License
  • Must be willing to submit to pre-employment drug screen

Apply