Summary
Overview
Work History
Education
Skills
Timeline
Generic
SEBASTIAN FARO

SEBASTIAN FARO

Allen,TX

Summary

Credit Analyst with 4+ years of experience in managing and negotiating with over 200 automotive dealerships, specializing in credit underwriting and risk assessment. Demonstrates strong skills in data analysis, regulatory compliance, and relationship management, effectively supporting sales and finance teams. Aims to leverage analytical expertise and negotiation skills to excel in graduate studies and advance in the finance industry.

Overview

8
8
years of professional experience

Work History

Credit Analyst II

Exeter Finance
05.2021 - Current
  • Manage and negotiate relationships with sales and finance managers across 200 automotive dealerships throughout the Midwest and assist with sales, providing credit underwriting for the customer base.
  • Establish and maintain a relationship with multiple different sales and finance team members throughout different locations, answering difficult questions and handling difficult credit situations.
  • Analyze complex credit applications, evaluating financial data to make informed lending decisions.
  • Research credit risks, assess credit history and assist dealerships with building the deal, guiding them through our program with what works best.
  • Made recommendations about extending lines of credit.
  • Analyze applicant bureau reporting to determine level of risk involved for extending credit.
  • Collaborate with other teams to identify and mitigate risks.

Server

Local Yocal, Farm To Market
10.2018 - 07.2020


• Kept multiple registers accurate through correct billing, payment processing and cash management practices.
• Enhanced operational efficiency by constantly working and always finding a new task.
• Collaborated with diverse team members to support order preparation, manage efficiency and maximize guest
experience.
• Exceptional verbal and written communication skills.

Tutor

Grade Potential Tutoring
12.2017 - 12.2018
  • Motivated students towards learning and studying to build self-confidence and reduce fear of failure.
  • Provided homework assistance using specific curriculum and materials.
  • Collaborated with students to complete homework assignments, identify lagging skills, and correct weaknesses.
  • Supported students with helpful study habits and exam strategies.
  • Created personalized lesson plans to meet needs of diverse learners.
  • Assisted students in developing study skills and strategies.

Education

MBA - BUSINESS ADMINISTRATION

Texas A&M University-Commerce
12-2025

BBA - Business Administration And Management

Texas A&M University-Commerce
Commerce
05-2021

ASSOCIATE OF ARTS - undefined

Collin County Community College District
01.2018

Skills

  • Data Analysis
  • Regulatory Compliance
  • Risk Management
  • Financial Modeling
  • Customer Focus
  • Team Collaboration
  • Credit Underwriting
  • Relationship Management
  • Credit Risk Assessment
  • Negotiation
  • Oral and written communications

Timeline

Credit Analyst II

Exeter Finance
05.2021 - Current

Server

Local Yocal, Farm To Market
10.2018 - 07.2020

Tutor

Grade Potential Tutoring
12.2017 - 12.2018

ASSOCIATE OF ARTS - undefined

Collin County Community College District

MBA - BUSINESS ADMINISTRATION

Texas A&M University-Commerce

BBA - Business Administration And Management

Texas A&M University-Commerce