Joby Schraier is a professional who serves a very important purpose. He is an automotive finance manager who is based in St. Louis, Missouri. There are a handful of basic necessities that most people need to be able to function in life. Reliable transportation is one of them, but new and late model motor vehicles are not easy to pay for out-of-pocket. When you help people obtain financing, you are providing an essential service, and this is a rewarding line of work.