Joan Abaricia-Suga
Underwriter, Loan Fund Department @Hawaiian Council
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WORK HISTORY
Underwriter, Loan Fund Department @Hawaiian Council
Kapolei, HI, US
Review business loan applications and evaluate loan documents for accuracy and completeness. Perform Risk Assessments on applicants based on credit rating/score, credit payments history and ability to repay existing and new loans. Maintain communication with applicants throughout the process until approval and/or denial. Assist borrowers with creative solutions to improve financial situation and ability to obtain a credit successfully towards their long term goals.
EDUCATION
AMA Computer University
Bachelor's Degree, Computer Engineering
ABOUT JOAN ABARICIA-SUGA
I’m a Licensed Mortgage Loan Officer (NMLS #639303) and Certified Master Mortgage Underwriter (NAMU®–CMMU) with 15+ years of experience helping individuals, families, and business owners in Hawaiʻi achieve financial stability and homeownership.My career journey has taken me from banking and loan processing to underwriting and leadership roles in both corporate and nonprofit settings. Along the way, I’ve developed a deep understanding of risk assessment, regulatory compliance, and client-centered lending solutions.What drives me is more than numbers, it’s people. As a Marine mom, Air Guard wife, and community-impact-driven individual, I know the importance of building security and creating opportunities for the people we love. Whether I’m helping a first-time homebuyer, guiding a veteran through VA financing, or collaborating with local organizations, my goal is always the same: to make financing clear, tailored, and empowering.I bring a reputation for: • Precision in underwriting and loan structuring • Strong relationships with brokers, realtors, and referral partners • Proven results in streamlining loan processes for efficiency and compliance • A client-first approach grounded in transparency and trust If you’re a realtor, broker, or financial advisor, I’d love to explore ways we can collaborate and serve our clients better together. Strong partnerships mean stronger outcomes for the families and communities.
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