Jakuaterua (Bajo) Kapuire
Federal Way,WA
Summary
Results-driven Underwriting Specialist with a background in managing risk evaluations for diverse financial portfolios. Strengths include a comprehensive understanding of risk assessment and compliance, exceptional analytical skills, and the capability to collaborate effectively with cross-functional teams. Previous work has consistently resulted in reduced company risks through strategic underwriting decisions and policy creation.
Overview
8
8
years of professional experience
1
1
Certification
Work History
Underwriting Specialist
TBS Factoring Service, LLC
Oklahoma City, OK
02.2024 - 10.2024
- Reviewed and verified factoring applications to assess client eligibility based on TBS guidelines.
- Processed requests in Jira, including updates for Certificates of Insurance and account information.
- Analyzed UCC Continuation Maintenance Reports to identify required updates for filings.
- Audited client data to detect potential high-risk accounts and managed them per department guidelines.
- Provided application status updates to Business Development Representatives for effective communication.
- Assisted with underwriting maintenance projects to support team objectives as needed.
- Coordinated with internal departments to resolve complex account issues efficiently.
- Determined client credit limits based on established risk assessment criteria.
Loan Service Specialist
PNC Bank
Texas, Texas
06.2022 - 12.2023
- Supported work processes to ensure completeness, accuracy, and compliance with credit approvals and legal documents.
- Reviewed reports to identify exceptions and monitor quality standards.
- Participated in risk mitigation activities to enhance operational resilience.
- Ensured the availability of necessary materials and documentation for customers and investors.
- Applied specialty product knowledge to facilitate closing of risk syndicated and loan transactions.
Loan Processor
First National Bank of Texas
Killeen, Texas
11.2020 - 05.2022
- Analyzed loan applications within assigned credit authority, approving amounts up to $25,000 or more with additional authorization.
- Handled debt consolidation cases effectively, ensuring thorough documentation and compliance.
- Evaluated borrower and cosigner credit risk, income, and financial management history for informed decision-making.
- Underwrote loans to verify completeness, accuracy, and compliance, maintaining communication with borrowers.
- Reviewed appraisal reports and collateral issues to support loan application approvals.
- Processed financial transactions, completed necessary paperwork, and assisted with reporting tasks.
- Examined interest rate scales to provide detailed information on special offers and loan packages.
- Performed modifications on loans including interest rate adjustments, term extensions, and capitalization of principal amounts.
Administrative assistant
South African Embassy
Washington, DC
07.2016 - 01.2020
- Facilitated communication among executives, employees, clients, and external partners to improve collaboration.
- Managed information flow to ensure timely and accurate communications.
- Coordinated Minister Attaché calendar, optimizing meeting organization and scheduling efficiency.
- Arranged travel and accommodation logistics for department personnel, enhancing operational effectiveness.
- Formatted documents, including memos and reports, for internal and external communications.
- Screened phone calls and directed correspondence to appropriate parties efficiently.
- Maintained department budget monthly, quarterly, and annually to uphold fiscal responsibility.
Education
Associate-not completed - General Studies
Community College of Baltimore County
Essex, MD08.2017
High School Diploma - Muncie, Indiana
Muncie Central High School
Muncie, Indiana06.2003
Skills
- Risk assessment and compliance
- Data analysis and documentation
- Loan underwriting
- Customer relationship management
- Documentation review
- Credit analysis and evaluation
- Attention to detail and problem-solving
- Project coordination and time management
Preferred Name
Bajo
References
Available upon request
License Certification
- Life and Health Insurance License in Texas, not active- expired, 19609054
- Mortgage Loan Origination (MLO) Officer, Actively Pursuing, 2373844
Systems Knowledge
- Cisco
- Zendesk
- CRM software
- Google Docs
- Cisco finesse
- Oracle
- SharePoint
- Loans P
- Salesforce
- Laser Pro
- IMM: Banking
- Jabber
- Horizon: Banking
Certification
- Currently pursuing these certifications as Continuing Education:
1. Property and Casualty Insurance Certification
2. Life and Health Insurance Certification
References
References available upon request.
Timeline
Underwriting Specialist
TBS Factoring Service, LLC
02.2024 - 10.2024
Loan Service Specialist
PNC Bank
06.2022 - 12.2023
Loan Processor
First National Bank of Texas
11.2020 - 05.2022
Administrative assistant
South African Embassy
07.2016 - 01.2020
Associate-not completed - General Studies
Community College of Baltimore County
High School Diploma - Muncie, Indiana
Muncie Central High School
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