Personnel Pride!

Proudly Personal

Meet Fred!

Area Sales Manager
At our Houston, Texas location since May 2011

Headshot for Fred Medellin

Meet Fred, Area Sales Manager since 2011 and a 36-year veteran of the automobile business. From working the sales floor to directing the finance department of one of the largest dealerships in the country, all the way to managing Flagship dealer relationships across South Texas, Fred has done it all when it comes to selling vehicles. 

In his own words.

I’ve been in the automobile business since 1980 and even though a lot of things have changed, one thing stays the same: Relationships form the foundation of a good business. No matter how much the world around us changes, that will always be true.

I always say, ‘People don’t know how much you know until they know how much you care.’

That’s what I like about Flagship. We don’t do what I call “the politician rap.” We don’t go into dealerships handing out pens and cookies and leaving. Sure, it’s important to develop those relationships but you actually have to be transactional too. We get involved with helping them put deals together, we show them through our actions how much we care about their business and when they see that we care, the trust factor comes in and they want to do business with us.

Flagship places the same importance on supporting its associates. They give us tools to help do our jobs well, and they encourage us to rely on our team. For example, in my position I rely heavily on my credit officer and funding team. It doesn’t matter how many transactions I bring in, I won’t be able to keep those dealer relationships if I can’t get them funded. And I have to count on the rest of my team to continue to build those relationships on their part too. The whole team has to be able to rely on each other to keep those relationships.

As the ASM my job is always about building relationships. It’s not an easy thing when you’re first starting out, but as you build those relationships with your dealers and with your team they get easier. It’s the domino effect, each one affects the other. Sometimes those dominos fall but then you go back in and build them back up. Flagship understands that and they make sure everyone’s working together and sharing experiences. We have regular calls so we can collaborate on how and what we could do better in each situation. Everyone is willing and able to help new employees understand our process, whether they’ve been in the business as long as I have or they’re brand new to it.

For me, it’s important to work with people I believe in and who believe in me. I’m an old guy and I like to think that makes me wiser. Over the years, I’ve learned that people tend to work at a higher level when they know that they have management in place to help them. That’s one of the best things about working for this company, because you know how much they care and they support their people.

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

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

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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.