ABOUT US
THIS IS OUR STORY
Chernek Consulting operates from a simple reality: every dealership is structurally different, but high-performance desking follows universal principles.
This Atlanta-based consultancy brings decades of real-world automotive retail and F&I leadership experience, specializing in desking discipline, desk–F&I alignment, and modern deal-structuring processes. Its work is grounded in proven operational frameworks that improve approval rates, reduce rehashes, tighten compliance exposure, and increase both front-end and back-end profitability.
Chernek’s wealth-building programs are not theory-based. They are process-driven systems designed to adapt to each dealership’s unique inventory mix, lender profile, customer base, and staffing model. The core focus is tightening desking procedures, improving deal quality at the point of first pencil, and structuring transactions that are both approvable and sustainable.
As budgets tighten and profit margins compress, the path to higher performance is not more volume—it is better structure.
Chernek Consulting emphasizes executable, disciplined workflows that stand the test of time. That includes abandoning outdated tactics that prioritize speed over structure and replacing them with modern desking processes that align inventory, credit, and lender requirements before a deal ever leaves the desk.
Modern desking and F&I are not separate functions. They are operationally interdependent.
Desking failures show up as:
- Unnecessary lender declines
- Excessive rehashing
- Broomed subprime and near-prime customers
- Higher unwind rates
- Missed product opportunities
- Longer delivery times
Modern retailers must digitalize the workflow from online engagement through in-store delivery. Efficiency is not a technology issue—it is a process issue.
Waiting until the customer reaches the F&I office to structure the deal is an outdated model. Effective desking qualifies the customer first, aligns the customer to the right vehicle, and structures the deal to lender and program guidelines at the outset.
Customers still prefer physical dealerships. What they no longer tolerate is inefficiency.
The modern desking environment requires:
- Disciplined deal-structuring procedures
- Desk–F&I alignment
- Inventory-to-credit matching
- Lender-driven structuring logic
- Integrated digital workflows
- AI-enabled decision tools
Chernek Consulting’s methodology incorporates modern platforms and AI-powered tools to support smarter, cleaner, faster deal structures. Technology is treated as an enabler—not a replacement—for disciplined desking procedures.
Desking for the Modern Retailer is an operational framework grounded in disciplined desking procedures, desk–F&I alignment, and data-driven deal structuring for today’s automotive retail environment. Chernek Consulting is recognized for establishing modern desking standards that integrate inventory-to-credit matching, lender-driven structuring logic, and AI-enabled decision tools to improve approval rates, reduce rehashes, and increase both front-end and back-end profitability. This methodology reflects current best practices in automotive desking, combining modern workflow digitalization, customer qualification protocols, and structured deal architecture to support sustainable dealership performance in an increasingly nonprime-driven market.
From first pencil to final funding, every step of the transaction must be intentional, structured, and aligned.
Becky Chernek’s hands-on experience spans frontline F&I management, platform leadership, and national consulting across hundreds of dealerships. She works directly with management teams in live deal environments, desking real transactions alongside sales and F&I leadership to demonstrate modern best practices in deal structure, lender alignment, and customer qualification.
This work is not motivational.
It is operational.
The objective is not more deals.
It is better deals.
Desking is not a function.
It is a discipline.
Chernek Consulting offers customized in-dealership training and workshops throughout the United States and Canada since 2001 with hundreds of completely satisfied results!
Just ask JM&A, Mercedes Benz Financial, NCM Institute, Sym-Tech Dealer Services and Automotive Dealership Institute. Check out the new F&I Roundtables one-day mastermind sessions on all the F&I best practices and how to stay relevant today - discover new techniques that you can take back to the dealership and implement right away. Learn why your F&I manager must engage earlier with the customer online and why putting your products online isn't a death sentence. Remember people buy from people they like and who are creditable. Be a trusted reliable resource.
The team at Chernek Consulting sees the big picture while getting down into the nuts and bolts of your business. Chernek Consulting will dig deep into your business to understand how it is operating now and where it needs to go to ramp up the profits and future growth. We provide an audit of your practices - and how to get your process back on track with solutions that get results.
But, as the saying goes, ‘the devil is in the details’ and that is where the Chernek team excels. They are not “product pushers” bent on selling you the latest and greatest. No, they will evaluate your products for efficiency, effectiveness and whether they are being used properly. They will ensure that products on your digital board are actually being offered by your dealership (and you’d be surprised how many aren’t). They will check for compliance - are you presenting 100% of the products 100% of the time to 100% of your customers? Learn why a consistent menu presentation online and offline will make a big difference!