Position OverviewAt PNC, our people are our greatest differentiator and competitive advantage in the markets we serve. We are all united in delivering the best experience for our customers. We work together each day to foster an inclusive workplace culture where all of our employees feel respected, valued and have an opportunity to contribute to the company's success. As a Relationship Manager II- Indirect Auto within PNC's Dealer Finance organization, you will be based within the Dealer Finance footprint in Massachusetts.
Location: Remote within Massachusetts
Territory: Massachusetts (field-based position with travel throughout the state)
What You'll Do
PNC Dealer Finance is seeking an experienced Relationship Manager II to grow and strengthen our indirect auto lending presence throughout Massachusetts. This is a client-facing, field-based role responsible for developing relationships with automotive dealerships, increasing dealer participation, and expanding indirect lending volume across an established and highly productive territory.
As the face of PNC Dealer Finance in the market, you will spend the majority of your time meeting directly with dealership owners, principals, general managers, finance directors, and sales leaders to promote the benefits of partnering with PNC. Success in this role requires strong consultative sales skills, dealership relationship management experience, and the ability to drive business growth through influence and trusted partnerships.
Key Responsibilities
• Develop, manage, and grow a portfolio of automotive dealership relationships throughout Massachusetts.
• Serve as the primary PNC Dealer Finance representative within the assigned territory.
• Drive dealer engagement and increase indirect auto loan volume through consultative selling and relationship-building activities.
• Prospect and onboard new dealer partners while expanding relationships with existing dealerships.
• Conduct regular in-person dealership visits throughout the territory, typically four or more days per week.
• Educate dealers on PNC's indirect lending products, processes, technology, and program benefits.
• Analyze dealer performance and implement strategies to increase production and profitability.
• Deliver sales presentations, business reviews, and training to dealership leadership teams.
• Utilize CRM tools and reporting systems to maintain dealer activity, pipeline management, and territory planning.
• Partner with internal underwriting, credit, and operations teams to ensure an exceptional dealer experience.
What Makes You Successful
The ideal candidate brings a strong understanding of the indirect auto finance industry and has a proven track record of managing dealership relationships, growing territory production, and influencing dealer behavior.
Successful candidates often come from backgrounds such as:
• Dealer Relationship Manager
• Area Sales Manager
• District Sales Manager
• Dealer Development Representative
• Auto Finance Representative
• Business Development Manager
• Captive or Independent Auto Finance Lender Representative
Required Qualifications
• Prior indirect auto finance, dealer services, automotive lending, or dealership relationship management experience.
• Demonstrated success developing and maintaining relationships with automotive dealerships.
• Strong business development and consultative sales skills.
• Experience managing a sales territory and achieving production goals.
• Excellent communication, presentation, and negotiation skills.
• Ability to work independently in a highly mobile, field-based environment.
• Ability to travel extensively throughout Massachusetts, including frequent dealership visits.
Additional Information
• This is a remote, field-based position supporting the Massachusetts market.
• Travel throughout the territory is expected a minimum of four days per week.
• Mileage and business travel expenses are reimbursed in accordance with company policy.
Candidates should reside within Massachusetts or within reasonable proximity to effectively support the assigned territory.
To be considered, candidates must have prior experience working with automotive dealerships and indirect auto finance programs. This role requires an individual who can immediately establish credibility with dealership partners, manage an active territory, and drive dealer adoption and production growth.
This position may be eligible for remote work in select geographic locations, subject to approval by PNC. If approved, work must be conducted from a quiet, secure, and confidential home-based workspace. Occasional in-office participation may be required based on business needs.
PNC will not provide sponsorship for employment visas or participate in STEM OPT for this position.
Job Description- Coordinates relationship management activities with new and/or existing clients in a book of business to grow sales, revenue and market share with relevant sales goals. Typically works with clients with moderate levels of risk and complexity of needs. Generally works with a moderate degree of supervision.
- Works within stated guidelines to acquire and/or expand and retain client relationships to generate revenue and deepen share of wallet. Handles the origination, financial analysis, negotiation and documentation of credit and non-credit products and services.
- Manages risk/return and drives quality for new and/or existing clients. Actively identifies and mitigates different types of risk, such as regulatory, reputational, operational and credit risks.Focuses on client opportunities by providing ideas and insights based on an understanding of the client's needs and their financial well-being. Focuses on increasing client engagement and loyalty.
- Manages effective network of internal and external relationships, such as community or industry relationships, to actively acquire new clients and/or expand existing clients and enhance the client experience. Focuses on bringing entire bank to the client by presenting the full range of PNC's products and services.
- Leverages reporting and sales tools to proactively identify and successfully convert sales opportunities.
- As defined with the business, demonstrates ability to analyze, evaluate and mitigate credit risk for more complex credit requests by utilizing knowledge of advanced credit fundamentals and internal credit policies.
PNC Employees take pride in our reputation and to continue building upon that we expect our employees to be:
- Customer Focused - Knowledgeable of the values and practices that align customer needs and satisfaction as primary considerations in all business decisions and able to leverage that information in creating customized customer solutions.
- Managing Risk - Assessing and effectively managing all of the risks associated with their business objectives and activities to ensure they adhere to and support PNC's Enterprise Risk Management Framework.
QualificationsSuccessful candidates must demonstrate appropriate knowledge, skills, and abilities for a role. Listed below are skills, competencies, work experience, education, and required certifications/licensures needed to be successful in this position.
Preferred SkillsBook Of Business, Client Relationship Building, Credit Processes, Credit Products, Customer Engagement, Decision Making, Financial Analysis, Identifying Sales Opportunities
CompetenciesBusiness Acumen, Client Relationship Management, Customer Experience Management., Decision Making and Critical Thinking, Effective Communications, Prospecting., Selling., Tech Savvy
Work ExperienceRoles at this level typically require a university / college degree, with 5+ years of industry-relevant experience. Specific certifications are often required. In lieu of a degree, a comparable combination of education, job specific certification(s), and experience (including military service) may be considered.
EducationCertificationsNo Required Certification(s)
LicensesNo Required License(s)
Language AssessmentsNo Required or Preferred Language Assessments
Pay TransparencyBase Salary: $91,000.00 - $169,000.00
Salaries may vary based on geographic location, market data and on individual skills, experience, and education. This role is incentive eligible with the payment based upon company, business and/or individual performance.
Application WindowGenerally, this opening is expected to be posted for two business days from 09/11/2026, although it may be longer with business discretion.
BenefitsPNC offers a comprehensive range of benefits to help meet your needs now and in the future. Depending on your eligibility, options for full-time employees include: medical/prescription drug coverage (with a Health Savings Account feature), dental and vision options; employee and spouse/child life insurance; short and long-term disability protection; 401(k) with PNC match, pension and stock purchase plans; dependent care reimbursement account; back-up child/elder care; adoption, surrogacy, and doula reimbursement; educational assistance, including select programs fully paid; a robust wellness program with financial incentives.
In addition, PNC generally provides the following paid time off, depending on your eligibility: maternity and/or parental leave; up to 11 paid holidays each year; 9 occasional absence days each year, unless otherwise required by law; between 15 to 25 vacation days each year, depending on career level; and years of service.
To learn more about these and other programs, including benefits for full time and part-time employees, visit pncthrive.com.
Disability Accommodations StatementIf an accommodation is required to participate in the application process, please contact us via email at AccommodationRequest@pnc.com. Please include "accommodation request" in the subject line title and be sure to include your name, the job ID, and your preferred method of contact in the body of the email. Emails not related to accommodation requests will not receive responses. Applicants may also call 877-968-7762 and say "Workday" for accommodation assistance. All information provided will be kept confidential and will be used only to the extent required to provide needed reasonable accommodations.
At PNC we foster an inclusive and accessible workplace. We provide reasonable accommodations to employment applicants and qualified individuals with a disability who need an accommodation to perform the essential functions of their positions.
Equal Employment Opportunity (EEO)PNC provides equal employment opportunity to qualified persons regardless of race, color, sex, religion, national origin, age, sexual orientation, gender identity, disability, veteran status, or other categories protected by law.
This position is subject to the requirements of Section 19 of the Federal Deposit Insurance Act (FDIA) and, for any registered role, the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (SAFE Act) and/or the Financial Industry Regulatory Authority (FINRA), which prohibit the hiring of individuals with certain criminal history.
California Residents Refer to the California Consumer Privacy Act Privacy Notice to gain understanding of how PNC may use or disclose your personal information in our hiring practices.
