Richard L. Williams
Jupiter,FL
Summary
Senior finance manager/director with 27 plus years experience across domestic and luxury automotive sectors. Demonstrated success as a finance director and F&I producer, specializing in menu selling, regulatory compliance, and deal structuring. Expertise in lender relations, contract management, and documentation accuracy, ensuring seamless F&I administration. Proven ability to enhance production gross and maintain process integrity in both desk and F&I leadership roles.
Overview
13
13
years of professional experience
Work History
Finance Manager
Treasure Coast Toyota
01.2020 - Current
- Produced $1,004,105 total F&I gross in 2024 (products + reserve) $2200 PVR
- Produced $901,930 total F&I gross in 2025 (products + reserve) $2150 PVR
- Generated $1.9M+ combined F&I gross across two-year period
- Floor/Desk Manager (Oct 2024–May 2025); Finance Manager (2015–2017)
Finance Manager / VIP Sales
AutoNation Mercedes
01.2017 - 01.2020
*Credit applications and deal structure
*Timely processing of loan packaging to insure minimal contracts in transit
*pairing clients to lenders maximize profit
*presented ancillary products in menu process
*developed proven system for selling more ancillary products
*competent in all computer systems I.e. excel. Word, ADP, Reynolds and Reynolds
*performed compliance audits
Finance Manager
Off Lease Only
01.2013 - 01.2015
*extreme high volume dealership
*processed up to fifteen auto closings per day
* maintained top per vehicle retail
Education
A.A. - Pastoral Counseling & Ministry Leadership
Southeastern University
02.2026
Skills
F&I Leadership, Menu Selling, Deal Structuring, Regulatory Compliance, Lender Relations, Subprime & Prime Lending, Contract Accuracy, Funding & CIT Management, Luxury & Import Franchise Experience, Desk & Gross Strategy, Full F&I Administration
Leadership & Community Service
Christ Fellowship, Volunteer Leader, 2017, Present, Lead Celebrate Recovery ministry groups across multiple campuses, Facilitate recovery and support group sessions, Serve on production teams supporting services and events, Approved volunteer with security access across multiple campuses, Recognized for reliability, discretion, and leadership
Military Service
United States Air Force — Tactical Aircraft Maintenance Specialist
Performance Highlights
- Treasure Coast Toyota (2024–2026 Reporting Period)
- Maintained 80–85% finance penetration
- Delivered $2,150+ F&I PVR
- Averaged ~1.9 products per deal
- Achieved ~300% total product penetration
- Includes Floor/Desk Manager assignment (Oct 2024–May 2025)
- Department performance leader and production stabilizer
Timeline
Finance Manager
Treasure Coast Toyota
01.2020 - Current
Finance Manager / VIP Sales
AutoNation Mercedes
01.2017 - 01.2020
Finance Manager
Off Lease Only
01.2013 - 01.2015
A.A. - Pastoral Counseling & Ministry Leadership
Southeastern University