Personnel Pride!

Proudly Personal

Meet Cristina!

Analyst, Credit
At our Phoenix, Arizona location since April 2014

Headshot for Cristina Chavez

Meet Cristina, Credit Supervisor since April 20, 2014. With her sights set on the Big Apple and a career in communications, Cristina’s Flagship journey almost didn’t happen! But after a short time working in financial public relations, Cristina realized that she missed the energy of the auto industry, not to mention her sunny hometown of Phoenix.

In her own words.

During my senior year at the University of Arizona, Chase Auto Finance (CAF) recruited me for their Leadership & Development Management Training Program. I began right after graduation. The position had me rotating throughout CAF’s different departments and offices. My final rotation was in credit, working out of the Phoenix center where I was assigned zero-performing dealers. After only one month of working their territory, I cashed at least one contract out of 90% of those same dealers. Before my yearlong program was up, an underwriter was retiring and they offered me the position. I accepted and subsequently managed to surpass monthly volume goals throughout the recession. It became my mission to flip non-performing dealers on their head.

After five years at Chase, I decided that I had plateaued in my position. It was time to go back to school. I moved to New York and completed a Master of Science in Communications from Columbia University. My thoughts were to transition into the communications industry via financial public relations. I worked for a public relations agency that specialized in financial PR, but I missed the energy of the auto industry. Wanting to return to Phoenix, I reached out to my contacts in the area who told me about a new office opening up for a lender by the name of Flagship Credit Acceptance. Applied and luckily, got the job!

When I first joined Flagship there were only two 2 territories in Phoenix -- East and West. Since being appointed as the head for the Phoenix West division, we grew that territory from about 150 contracts more more than less than one year.

What I love about Flagship is they’re great about rewarding successful teamwork. Every year the Service Triangle Awards include credit, sales and funding -- what we call our Service Triangle -- showcase the top performing teams in each area. Last year my team earned the Admiral Club award and won a trip to the Bahamas. Better yet, we were the first team to earn that award, since it had been previously reserved for Sales.

That’s one of the things I learned early-on, everyone here has a voice. If you speak up, management listens. Whether it be the measuring of performance goals, rewarding innovative ideas to help efficiencies, or recognizing out of the box thinking to make the company better, employees are definitely recognized on a large scale. We set out to expand the Admiral Club award to include the teams that enable sales to happen. They listened.….. and I got an all-expenses paid trip to the Bahamas. Not too bad, right?!

When I think about the communications career I almost had, I can honestly say I’m so thankful I went another way. I love the fact that every day is different. I love the fact I have a job that recognizes me and rewards me. I can say with confidence, I wouldn’t want to do anything else. 

Thank you for being a part of our Flagship family, Cristina!

Are you ready to join us? View the list of available opportunities at the various Flagship locales.

View other pride stories

Fair Lending Policy

Flagship Credit Acceptance, LLC ("Flagship") is committed to maintaining a culture of fair credit throughout the organization. In this regard, Flagship has developed a Fair Credit Program ("Program") that complies with all applicable fair credit laws and regulations ("FC Laws") and reflects industry best practices. Flagship is committed to comply with the letter and spirit of FC Laws. The goal of the Program is to carry out Flagship's commitment and be recognized internally and externally (e.g., by management, associates, customers, service providers, and the public) as dedicated to fair credit principles and demanding of compliance. The Program applies to all aspects of Flagship's operations (including reviewing, purchasing and servicing retail installment sale contracts whether for itself or others) and all services offered by Flagship, and across all of Flagship's credit operations, including marketing, underwriting, origination, processing, servicing, collection, loss mitigation, and payoff activities, and to all personnel who work for or on behalf of Flagship, whether as associates, officers, members of the Board of Directors, agents, representatives or service providers.

Should you have any questions about the details of any of Flagship's policies, please contact us at 1.800.900.5150 M-F, between 9:00 a.m. and 5:00 p.m. EST.


Our Lending Philosophy

A borrower is more than just a credit score. At Flagship, we focus on the story behind the customer …and look beyond the number.

Life happens. Whether low credit scores are a result of past circumstances, one-time events or just bad luck, Flagship offers multi-tiered pricing structures to finance borrowers across the credit spectrum.

At Flagship we believe a borrower’s credit past shouldn’t dictate their future.

Many borrowers need a second chance. We recognize the vast majority of persons with credit challenges are working hard to re-establish their credit rating. Each of our Credit Analysts are trained in "common sense" lending, a philosophy of reviewing all the circumstances and determining the appropriate deal structure for the specific borrower situation. Flagship maintains a very high standard regarding  Fair Lending compliance, ensuring our customers are always treated professionally and consistently.