Thomas Boren

Thomas Boren

A finance student applying AI to credit analysis.

I study Financial Management at the University of Arkansas and work as Head Credit Analyst Intern at Hilborn & Howell. I process $100K+ loan applications for national banking partners, and I designed and tested an AI-powered system to keep loan evaluation accurate and reliable.

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About

Who I am and how I work.

I'm finishing my degree at the University of Arkansas with a concentration in Investment and a minor in Information Systems. I like work where accuracy matters and trust has to be earned, which is what credit analysis asks for every day.

Before Hilborn & Howell, I worked in customer service, commercial real estate research, and restaurants in Dallas. Those roles taught me to explain complicated things plainly, keep long-term relationships, and use data to make a case.

More about me

Experience

Credit analysis, real estate research, and customer service.

  1. Jan 2026 to present

    Head Credit Analyst Intern

    Hilborn & Howell, LLC, Fayetteville, Arkansas

    • Process dozens of $100K+ loan applications weekly in partnership with national banking institutions.
    • Present risk assessments to 30+ banking partners in 10+ states through structured reports and briefings.
    • Lead onboarding and training for two incoming interns on underwriting standards and internal processes.
    Read about the AI implementation project
  2. May 2024 to Aug 2025

    Customer Service Representative

    Sewell Cadillac of Dallas, Dallas, Texas

    • Voted Most Impactful CSR by peers for good-faith practices and customer impact.
    • Maintained relationships with 500+ customers weekly and earned repeat business through consistent, high-trust communication.
    • Introduced corporate staff and interns to daily service operations and how they affect overall business performance.
  3. Apr 2023 to May 2023

    Research Intern

    Avison Young, Dallas, Texas

    • Researched existing tenants in person for commercial real estate and identified potential business opportunities.
    • Evaluated floor plans, time frames, and lease options using online databases and prior insights.
    • Turned financial data into strategic narratives for weekly briefings with Senior Advisors.
  4. May 2022 to Aug 2022

    Food Server

    Rathbun's Curbside Barbeque, Dallas, Texas

    • Reorganized the storage area and reduced restocking delays by identifying key bottlenecks.
    • Delivered meals accurately and promptly while keeping service and sanitation standards high.

Project

Applied AI in credit analysis.

AI Implementation at Hilborn & Howell

I designed and tested an integrated AI-powered system to support loan evaluation. The goal was accuracy and reliability, with every document handled inside our confidentiality and data-privacy covenants with banking partners.

  • RoleHead Credit Analyst Intern
  • FocusLoan evaluation accuracy and reliability
  • ConstraintClient confidentiality and data privacy
Read the project overview

Leadership

Recruiting, fundraising, and investing.

  1. Fall 2023 to present

    Recruiting Representative

    Sigma Nu Fraternity

    • Supervised the annual Pi Phi 5K philanthropy event, from logistics to coordination, raising $5.7K for children's literacy.
    • Grew applications 10% year over year by developing and running a marketing strategy.
  2. Spring 2025 to Spring 2026

    Member, Honor Guard

    Dallas Symphony Orchestra League (DSOL)

    • Contributed to fundraising that totaled $1.25M for a non-profit founded in 1986.
    • Served as a ceremonial escort at high-profile debutante events and fundraising galas.
  3. Fall 2023 to Spring 2026

    Member

    Investment Club

    • Studied long-term investment strategies and built proficiency in reading financial statements.
    • Followed how politics, fiscal and monetary policy, and broader economic trends affect markets.
More on my involvement

Recognition and skills

Honors

  • Chancellor's List (2x)Sam M. Walton College of Business
  • Dean's List (3x)Sam M. Walton College of Business
  • Sigma Nu Scholarship Fund for Academic ExcellenceFall 2024

Skills

  • Excel
  • Salesforce
  • PowerPoint
  • Canva
  • VS Code
  • LM Studio
  • Unsloth
  • Artificial intelligence

Contact

Reach me directly.