Credit Acceptance
Michael Skiba is an experienced professional in the automotive industry, currently serving as a Market Area Manager at Credit Acceptance since November 2023. Prior roles include Sales Manager and Finance Manager at Lithia & Driveway, Territory Sales Manager at EBlock, and Sales Representative at Erie Construction. Skiba also held the position of General Sales Manager at Middlebury Chevrolet-Mackey Auto Group and served as Commercial B2B Manager at Saratoga Ford-Mackey Auto Group. Earlier career highlights include Sales and Leasing Consultant at Mangino Chevrolet Buick GMC, Market Sales Manager at TradeRev, and Sr. Client Solutions Executive at Cox Automotive Inc., where responsibilities included managing a diverse client portfolio. Skiba began the career as a Dealer Account Representative at Manheim Albany, focusing on account management and client relations.
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Credit Acceptance
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Since 1972, Credit Acceptance has offered automobile dealers auto finance programs to help them sell vehicles to consumers, regardless if they have bad or no credit. These programs are offered through a nationwide network of automobile dealers who benefit from sales of vehicles to consumers who otherwise could not obtain financing; from repeat and referral sales; and from sales to customers who come into the dealership believing they have credit issues, but qualify for traditional financing. Further, we report to the three national credit reporting agencies, giving consumers an opportunity to improve their credit score and potentially qualify for more traditional financing. Our company is unique. Enrolled dealers share in the cash flows from the contract, which creates an alignment of interests and is a critical element of our success. Dealers have an incentive to sell reliable vehicles that last the term of the contracts, as they benefit from those who successfully repay their contracts.