Sebastian Cordero
Boca Raton,USA
Summary
Sales professional with nearly a decade of experience, including four strong years at First Help Financial in Funding, Underwriting, and Inside Sales. Consistently a top performer with a deep understanding of FHF processes and programs. Seeking a higher-level role to expand my impact and support team success.
Overview
11
11
years of professional experience
Work History
Senior Inside Sales Representative
First Help Financial
12.2023 - Current
- Built and maintained strong, high-trust relationships with dealership partners, becoming a go-to resource for deal structure and program guidance.
- Assisted dealers in structuring applications to maximize approval potential, improve PTI/LTV alignment, and position deals for success.
- Collaborated closely with Credit and Funding teams to resolve conditions, push through exceptions, and secure approvals on competitive or borderline deals.
- Provided real-time support to dealerships by reviewing income, collateral, and stip documentation to ensure clean submissions and faster decisions.
- Stayed fully up to date on all program changes, rate updates, policy adjustments, and underwriting guidelines, ensuring dealers always had the most accurate information.
- Proactively communicated company updates to dealer partners to prevent submission errors and improve funding quality.
- Identified opportunities to increase dealer volume by educating partners on new programs, requirements, and best practices.
Credit Analyst
First Help Financial
11.2022 - 12.2023
- Recognized as one of the top-performing Credit Analysts, known for exceptional accuracy and consistently minimal errors across all applications.
- Conducted thorough credit reviews by analyzing applicant income, employment, debt-to-income ratios, credit history, and collateral to determine loan eligibility.
- Evaluated paystubs, bank statements, tax documents, and alternative income sources to verify stability and compliance with program requirements.
- Assessed dealership submissions and identified discrepancies, missing documentation, or potential fraud indicators before issuing decisions.
- Delivered clear, well-supported approval, counter, or decline decisions within expected turn-time standards.
- Trained new Credit Analysts on underwriting guidelines, system workflows, documentation review, and quality standards, becoming a trusted point of contact for process questions.
Funding Associate
First Help Financial
04.2022 - 11.2022
- Consistently ranked #1 in team for highest number of funded applications and recognized for the fastest funding turnaround time.
- Reviewed and verified all required stipulations (POI, POR, IDs, references, bank statements, insurance, ITIN/SSN) to ensure compliance with program guidelines.
- Identified incomplete or incorrect documentation and worked directly with dealers to obtain accurate and compliant information.
- Ensured all contracts met credit policy requirements prior to funding; flagged discrepancies and coordinated quick resolutions.
- Cleared funding conditions by analyzing applicant income, employment history, and bank activity for accuracy and consistency.
- Processed high-volume funding queues while maintaining accuracy, speed, and attention to detail.
Mortgage Loan Officer
Competitive Lending LLC
09.2020 - 02.2022
- Assisted clients in selecting correct loan product and terms to meet needs and financial goals.
- Analyzed potential risks and evaluated loan products to identify suitable options for customers.
- Established plans and payoffs for customers' loans, prioritizing control of overall costs.
- Processed loan applications and monitored progress from start to finish.
- Negotiated loan terms and conditions with customers to secure best deal.
- Proactively identified solutions for customers experiencing credit issues.
- Assisted customers with completing loan applications and other paperwork.
- Assisted clients with improving financial health by counseling on issues such as excessive spending and borrowing.
- Maintained high level of customer satisfaction by providing prompt and accurate loan status updates.
- Communicated with clients, processing teams and other third parties to achieve prompt loan closings.
Sales Associate/Small Business Consultant
Tmobile
04.2015 - 04.2020
- Engaged with customers to build rapport and loyalty.
- Maintained calm demeanor and professionally managed issues in busy, high-stress situations.
- Engaged with customers to effectively build rapport and lasting relationships.
- Solved customer challenges by offering relevant products and services.
- Generated new sales leads to achieve and exceed monthly sales goals.
- Assessed customer needs and utilized suggestive selling techniques to drive sales.
- Educated clients on current promotional offerings and products using persuasive selling tactics.
- Worked to exceed special targets for credit card applications, special donations and specific product promotions.
Education
Associate of Arts - Business Administration And Management
Palm Beach State College
Lake Worth, FL08.2017
Bachelor of Arts - Business Administration
Florida Atlantic University
Boca Raton, FL12-2019
Skills
- Loan Structuring & Deal Strategy
- Stipulation Review (POI, POR, IDs, bank statements, insurance, ITIN/SSN)
- Funding Operations & Compliance
- Dealer Relationship Management
- Sales & Territory Growth
- Exception Handling & Escalation Resolution
- Pipeline Management & Prioritization
- CRM & Loan System Proficiency (LOS/LMS)
- High-Accuracy, Detail-Oriented Work
- Program Knowledge (Core, Aspire, SSN/ITIN Programs, etc)
- Customer Service & Partner Support
Languages
Spanish
Native or Bilingual
Timeline
Senior Inside Sales Representative
First Help Financial
12.2023 - Current
Credit Analyst
First Help Financial
11.2022 - 12.2023
Funding Associate
First Help Financial
04.2022 - 11.2022
Mortgage Loan Officer
Competitive Lending LLC
09.2020 - 02.2022
Sales Associate/Small Business Consultant
Tmobile
04.2015 - 04.2020
Associate of Arts - Business Administration And Management
Palm Beach State College
Bachelor of Arts - Business Administration
Florida Atlantic University