Kimberly Garner’s rise in automotive F&I is a story about what intentional effort looks like over time. At CMA’s Colonial Kia and Colonial Hyundai, Kim began by mastering the fundamentals, not looking for shortcuts, but building skill through daily practice, consistent process, and a genuine investment in understanding the why behind every step. That discipline paid off: she became the number one F&I Manager in her entire dealer group, posting the highest PVR in the company for five consecutive years.
Her story did not stop there. Recognized for her ability to lead others as effectively as she led herself, Kim was promoted to Director of Finance, where she now oversees finance operations across two stores. Her impact is measured not only in production figures, but in the people she has developed, the processes she has implemented, and the culture she has created across multiple rooftops.
Kim leads by example and mentors with patience and clarity. She understands compliance, lender relationships, structure, and profitability, but she also understands people. A 2026 Myers Flyers recipient, her ability to replicate success confirms what those who know her have long recognized: Kimberly Garner did not just become a top producer. She became a multiplier. CBT News is honored to recognize her as a Remarkable Leader in F&I.
