# Felix Underwood — Licensed Lender Reviewer | Big Daddy Loans

> Felix Underwood is an NMLS-licensed consumer lender with 19 years of credit-union and community-bank underwriting experience in Indiana and Ohio — and part-time instructor at Cincinnati State — reviewing lender-side accuracy at Big Daddy Loans.

Источник: https://bigdaddy-loans.com/authors/felix-underwood/

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# Felix Underwood

Licensed Lender Reviewer at Big Daddy Loans. NMLS-licensed consumer lender with 19 years of credit-union and community-bank underwriting experience across Indiana and Ohio — and part-time instructor in consumer finance at Cincinnati State.

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**Felix Underwood** · NMLS-registered · 19 years in consumer lending

**On this page** Biography Credentials Areas of expertise Articles reviewed Conflicts of interest Contact

## Biography

Felix Underwood is the Licensed Lender Reviewer at Big Daddy Loans, where he verifies that every explanation of underwriting, ACH mechanics, lender operations, and disclosure compliance on the site is technically accurate. He earned a Bachelor of Science in Finance from the Indiana University Kelley School of Business in 2005 and has held an active NMLS license since 2006.

Felix started his lending career as a branch loan officer at a community bank in Fort Wayne, Indiana, where he processed consumer installment and personal-line applications and learned the full underwriting stack from initial interview to adverse-action notice. In 2008 he relocated to Cincinnati and joined a regional credit union's consumer-credit department, rising over seven years to Consumer Lending Analyst and then Credit Policy Manager, overseeing a portfolio that included Payday Alternative Loans (PALs), signature loans, and a small-dollar emergency program built in partnership with United Way of Greater Cincinnati.

From 2015 to 2023 Felix served as Assistant Vice President of Consumer Lending at a separate Ohio credit union, where he rewrote the institution's ability-to-repay framework to align with post-2017 CFPB small-dollar guidance, and trained underwriting staff on TILA finance-charge itemization and ACH re-presentment limits under NACHA rules. Since 2021 he has taught a part-time course in consumer lending at Cincinnati State Technical and Community College.

Felix joined Big Daddy Loans in 2024 as the standing lender-side reviewer. His focus: making sure the site explains how consumer lending actually works — underwriting criteria, ACH mechanics, PAL alternatives, and the practical costs embedded in disclosure forms — without softening what borrowers need to know.

## Credentials

**NMLS-licensed Consumer Lender**
NMLS-registered consumer lender · Active since 2006
**Part-time Instructor, Consumer Finance**
Cincinnati State Technical and Community College · 2021–present
**BS Finance**
Indiana University Kelley School of Business · 2005
**Prior roles**
Community bank loan officer (Fort Wayne, IN) · AVP Consumer Lending, Ohio credit union

## Areas of expertise

- **Consumer credit underwriting** — risk-tier pricing, alternative-data scoring, adverse-action notice requirements
- **Ability-to-repay analysis** — residual-income models, CFPB ATR principles, debt-service-coverage ratios
- **TILA and Regulation Z** — APR calculation, finance-charge itemization, right-of-rescission timing
- **Payday Alternative Loans (PALs)** — NCUA PAL I vs. PAL II differences, eligibility rules, credit-union structuring
- **ACH presentment rules** — NACHA re-presentment limits, return-code handling, collection attempt caps

## Articles reviewed by Felix

Felix signed off as lender-side reviewer on:

- [Payday Loans in Texas: Laws, Rates, Limits & Alternatives](/state/texas/)
- [Payday Loans Online — Compare 23+ State-Licensed Lenders (2026)](/payday-loans/)
- [15 Payday Loan Alternatives Ranked by Cost](/payday-loan-alternatives/)
- [What is a Payday Loan? Plain-English Explainer](/learn/what-is-a-payday-loan/)
- [50-State Payday Loan Cost Index 2026](/research/cost-index-2026/)

## Conflict of interest disclosure

**Disclosure.** Felix holds no ownership stake in any lender, fintech platform, or lead-generation network reviewed on Big Daddy Loans. He is compensated on a per-review contract basis with no referral or volume incentive. His current part-time teaching role and any ongoing affiliation with a credit union are disclosed to the Big Daddy Loans editorial board. He recuses himself from reviewing any content involving institutions where he has held an underwriting or credit-policy role within the prior three years.

## Contact

For underwriting questions, lender-operations clarifications, or interview requests, contact editor@bigdaddy-loans.com.

#### About our authors

Each page on Big Daddy Loans is created by a qualified author and then verified by an independent reviewer.

[View all 6 authors](/authors/)

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#### Editorial standards

[See our editorial policy →](/editorial-policy/)

[How we fact-check →](/fact-checking-policy/)

[Record of corrections →](/corrections/)