# Andre Nakamura — Licensed Lender Reviewer | PayKedge > Andre Nakamura: NMLS-licensed lender with 15 years in credit union underwriting and UT Arlington consumer-finance instruction — verifies lender accuracy for PayKedge. Источник: https://paykedge.com/authors/andre-nakamura/ --- # Andre Nakamura Licensed Lender Reviewer at PayKedge. Consumer lender holding NMLS licensure with 15 years spent shaping underwriting standards and credit policy at a Texas regional credit union — plus serving as adjunct faculty in consumer finance at University of Texas at Arlington. AN **Andre Nakamura** · NMLS-registered **On this page** Background Qualifications Expertise Verified content Disclosures Contact ## Professional background Andre Nakamura is the Licensed Lender Reviewer at PayKedge, where he verifies that every explanation of underwriting, ACH mechanics, lender operations, and disclosure compliance on the site is technically accurate. He holds an active NMLS license and currently serves as an adjunct lecturer in consumer finance at the University of Texas at Arlington. Andre spent fifteen years at a regional Texas credit union, where he started as a loan officer in 2009 and rose to lead the small-dollar lending portfolio — including Payday Alternative Loans (PALs), unsecured signature loans, and a Skip-A-Pay hardship program. He built underwriting policy for the institution's $40M consumer-lending book, trained branch staff on TILA disclosure and Regulation B fair-lending compliance, and partnered with regional nonprofits to refer denied applicants to credit-counseling resources. He has testified twice at the Texas Office of Consumer Credit Commissioner (OCCC) on the operational differences between Credit Access Business (CAB) loans and credit-union PALs, and serves on the credit-union league's small-dollar lending working group. Since 2023 Andre has lectured part-time at UT Arlington on consumer-credit underwriting and the regulatory architecture around small-dollar loans. Andre joined PayKedge in 2025 as the standing lender-side reviewer. His review focus: making sure the site explains how the lender side actually works — ability-to-repay analysis, ACH presentment rules, fraud-detection mechanics, and CSO/CAB structure — without sanitizing the costs or hiding the alternatives. ## Licensure and qualifications **NMLS-licensed Consumer Lender** NMLS-registered mortgage loan originator **Adjunct Lecturer, Consumer Finance** University of Texas at Arlington · 2023–present **Prior role** 15 years at a regional Texas credit union — small-dollar lending portfolio lead **Working-group affiliation** Credit-union league small-dollar lending working group ## Specialized knowledge areas - **Underwriting and credit decisioning** — risk-based pricing, alternative-data scoring, denial-reason coding - **Ability-to-repay analysis** — debt-to-income, residual income, CFPB ATR principles for small-dollar credit - **State CSO/CAB rules** — Texas Credit Services Organization Act, city-ordinance overlays - **Fraud detection** — synthetic identity, ACH-return abuse, layered authentication for thin-file applicants - **TILA disclosure compliance** — APR calculation, finance-charge boxes, rescission timing ## Content verified by Andre Andre signed off as lender-side reviewer on: - [Payday Loans in Texas: Laws, Rates, Limits & Alternatives](/by-region/texas/) - [Payday Loans Online — Compare 23+ State-Licensed Lenders (2026)](/payday-loans/) - [15 Payday Loan Alternatives Ranked by Cost](/beyond-payday/) - [What is a Payday Loan? Plain-English Explainer](/money-guides/what-is-a-payday-loan/) ## Disclosure of potential conflicts **Disclosure.** Author owns no securities in companies covered. Compensated by PayKedge on a contract reviewer basis; no per-loan referral incentives. Currently affiliated with a regional credit union (not a PayKedge partner). Recused from any review involving his current employer or any institution where he has held a credit-policy role in the past three years. Adjunct teaching compensation disclosed to the editorial board. ## Reach Andre For underwriting questions, lender-operations clarifications, or interview requests, contact editor@paykedge.com. #### About our authors Each PayKedge article is created by a qualified expert and must pass a verification check from an independent reviewer. [See all 6 authors](/authors/) --- #### Editorial standards [Read our editorial policy →](/editorial-policy/) [Fact-checking process →](/fact-checking-policy/) [Corrections log →](/corrections/)