Fernando Del Toro
Tampa,FL
Summary
Experienced and results-driven automotive executive with a proven record of increasing profitability, improving team performance, and driving process efficiency. Skilled in sales management, finance, and operations with a strong background in developing high-performing teams and maximizing used-car profitability. Passionate about delivering an exceptional customer experience while achieving organizational goals.
Overview
10
10
years of professional experience
Work History
Used Car Sales Manager
Courtesy Toyota
Tampa, FL
08.2024 - 11.2025
- Directed all used vehicle operations, including purchasing, appraisals, reconditioning, pricing, and merchandising to ensure optimal inventory mix and turn rate.
- Analyzed market trends and auction data to make data-driven acquisition and pricing decisions that maximized gross profit and minimized aging inventory.
- Collaborated with the sales and F&I teams to create sales strategies, increase closing ratios, and ensure compliance with dealership and manufacturer standards.
- Managed online listings and digital marketing to enhance vehicle visibility and lead conversion.
General Sales Manager
Courtesy CDJR
Tampa, FL
08.2023 - 07.2024
- Lead new and used car departments, overseeing daily operations, forecasting, and profitability.
- Increased sales volume and gross profit through process improvement and disciplined inventory management.
- Coached sales and F&I teams to maintain compliance and deliver an exceptional customer experience.
Used Car Director
Courtesy Toyota
Tampa, FL
01.2023 - 08.2023
- Directed all used vehicle operations, including purchasing, appraisals, reconditioning, pricing, and merchandising to ensure optimal inventory mix and turn rate.
- Analyzed market trends and auction data to make data-driven acquisition and pricing decisions that maximized gross profit and minimized aging inventory.
- Collaborated with the sales and F&I teams to create sales strategies, increase closing ratios, and ensure compliance with dealership and manufacturer standards.
- Managed online listings and digital marketing to enhance vehicle visibility and lead conversion.
Finance Director
Courtesy Toyota
Tampa, FL
09.2021 - 01.2023
- Directed all finance and insurance operations, ensuring profitability, compliance, and exceptional customer satisfaction across a high-volume dealership.
- Managed a team of F&I managers, establishing consistent processes that increased per-vehicle retail (PVR) and product penetration while maintaining transparency and trust.
- Developed and implemented standardized menus, sales scripts, and compliance procedures.
- Partnered with lenders and financial institutions to secure competitive rates, maximize approval ratios, and strengthen dealership relationships.
- Analyzed deal structures, lender programs, and profitability reports to optimize performance and ensure accurate accounting of all financial transactions.
Finance Manager
Courtesy Toyota
Tampa, FL
02.2016 - 09.2021
- Consistently exceeded monthly goals for service contract, GAP, and protection product sales, setting new store benchmarks for profitability.
- Partnered with multiple lenders to expand approval opportunities and improve overall finance penetration, increasing closing ratios and CSI scores.
- Recognized as a departmental leader, mentoring other finance producers and helping establish a process that became the model for the dealership group.
Education
General Manager -
NADA GM Academy
Tysons Corner, VA11-2024
F&I Training
01-2016
Bachelor Of Technology (BTech) - IT And Programming
Mariana Grajales IT
Cuba06-2010
Skills
- Leadership & Team Development
- Used Car Inventory Management
- P&L Management
- Finance and Insurance Operations
- Process Improvement
- Sales Forecasting & Goal Setting
- Customer Experience Management
- Compliance & Ethical Selling
Languages
Spanish
Native/ Bilingual
English
Full Professional
Timeline
Used Car Sales Manager
Courtesy Toyota
08.2024 - 11.2025
General Sales Manager
Courtesy CDJR
08.2023 - 07.2024
Used Car Director
Courtesy Toyota
01.2023 - 08.2023
Finance Director
Courtesy Toyota
09.2021 - 01.2023
Finance Manager
Courtesy Toyota
02.2016 - 09.2021
General Manager -
NADA GM Academy
F&I Training
Bachelor Of Technology (BTech) - IT And Programming
Mariana Grajales IT