# Diego Delgado – Licensed Lending Reviewer | SB Loan > Diego Delgado holds an NMLS license and spent 15 years developing small-dollar lending programs at a Southwest community bank. He also teaches consumer finance part-time at a New Mexico community college. Источник: https://sbloan.net/authors/diego-delgado/ --- # Diego Delgado: Licensed Lender Reviewer Licensed Lender Reviewer at SB Loan. Holds an NMLS license and brings 15 years of credit-policy and underwriting work at a Southwest community bank — plus experience as a part-time instructor in consumer finance at a New Mexico community college. DD **Diego Delgado** · NMLS-registered **On this page** Background Qualifications Expertise Reviewed content Conflict disclosure Contact ## Professional background Diego Delgado is the Licensed Lender Reviewer at SB Loan, where he checks 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 teaches consumer finance part-time as an adjunct instructor at Central New Mexico Community College. Diego earned a BBA from New Mexico State University and spent fifteen years at a community bank serving the Albuquerque and Las Cruces markets, starting as a consumer loan officer in 2009 and rising to consumer credit manager. He built the underwriting policy for the bank's small-dollar and signature-loan programs, ran a hardship-deferral option for borrowers in trouble, and trained branch staff on TILA disclosure and Regulation B fair-lending requirements. He testified before the New Mexico regulator during the state's move to a 36% small-loan rate cap, explaining how a responsibly priced installment product can still clear underwriting, and he sits on a state banking-association working group on affordable small-dollar credit. Since 2022 he has taught an evening course on consumer-credit underwriting and small-loan regulation. Diego joined SB Loan in 2025 as the standing lender-side reviewer. His focus is making sure the site explains how the lender side actually operates — ability-to-repay analysis, ACH presentment rules, fraud screening, and licensing structure — without softening the true cost or burying the alternatives. ## Licenses and qualifications **NMLS-licensed Consumer Lender** NMLS-registered mortgage loan originator **Adjunct Instructor, Consumer Finance** Central New Mexico Community College · 2022–present **Prior role** 15 years at a Southwest community bank — consumer credit manager, small-dollar programs **Working-group affiliation** State banking-association 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 small-dollar rate caps** — 36% APR ceilings, installment-lender licensing, product redesign - **Fraud detection** — synthetic identity, ACH-return abuse, layered authentication for thin-file applicants - **TILA disclosure compliance** — APR calculation, finance-charge boxes, rescission timing ## Content Diego has reviewed Diego 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/) ## Disclosure of potential conflicts **Disclosure.** Diego holds no securities in any company covered here. SB Loan pays him as a contract reviewer with no per-loan referral incentive. He remains employed by a community bank that is not an SB Loan partner, and he recuses himself from reviewing any page involving his current employer or any institution where he held a credit-policy role in the past three years. His adjunct-teaching income is disclosed to the editorial board. ## How to reach him For underwriting questions, lender-operations clarifications, or interview requests, contact editor@sbloan.net. #### About our authors Each page on SB Loan is written by a certified author and then verified by an independent reviewer. [View all 6 authors](/authors/) --- #### Editorial standards [See our editorial policy →](/editorial-policy/) [Our fact-checking method →](/fact-checking-policy/) [Log of corrections →](/corrections/)