Jennifer Baca-Asher
Kensington
Summary
Detail-oriented financial professional combining expertise in risk management with comprehensive loan servicing capabilities. Well rounded credit background with end-to-end lifecycle expertise, leveraging rigorous quality assurance controls to optimize efficiency, ensure compliance and minimize risk.
Overview
2027
2027
years of professional experience
1
1
Certification
Work History
Principal Risk Specialist
Capital One, N.A
McLean, VA
09.2021 - Current
- Conducted comprehensive audits of credit approvals and associated loan documentation.
- Focused on mitigating risk by ensuring adherence to internal bank policies, investor guidelines and federal/state regulations.
- Collaborated with cross-functional teams to conduct root cause analyses and implement process improvements.
- Developed risk reports to communicate findings and support decision-making processes.
- Presented risk findings to senior leadership, facilitating informed strategic decisions across departments.
Senior Portfolio Manager
Capital One, N.A
Bethesda, MD
2016 - 2021
- Monitored trends in utilization, resiliency and margins to support portfolio growth, minimize losses and maximize profitability.
- Focused on process development, execution of risk controls and cross-functional collaboration.
- Contributed to origination process through client documentation collection and performing due diligence.
- Monitored past due payments and delinquencies including workouts and payment plans.
- Completed annual reviews and collection of financial statements for book of over 100 commercial card clients.
Portfolio Manager
Capital One, N.A
Bethesda, MD
2012 - 2016
- Supported underwriters and sales managers within the consumer private banking department.
- Performed various QA and QC checks throughout the underwriting process.
- Ensured compliance with consumer regulations and worked with internal auditors during reviews.
- Engaged with clients to collect complete credit applications and maintain updated records.
- Facilitated credit line advances, payments and modifications as requested by clients.
Assistant Branch Manager
Capital One, N.A
Bethesda, MD
2009 - 2012
- Supported daily branch operations to ensure customer satisfaction and service excellence.
- Assisted in training new employees on company policies and procedures for optimal performance.
- Managed scheduling to optimize staff coverage during peak hours and enhance productivity.
- Collaborated with team members to identify process improvements, driving operational efficiencies.
Education
Associate of Science - Business Management
Montgomery College
Rockville, MDSkills
- Operational risk management
- Compliance monitoring
- Audit support
- G-Suite, Microsoft Suite
- AI Literacy: Google Gemini, GEMS and DOC AI
Certification
- Lean Six Sigma: White, Yellow and Green Belts
- Business Process Manager
Timeline
Principal Risk Specialist
Capital One, N.A
09.2021 - Current
Senior Portfolio Manager
Capital One, N.A
2016 - 2021
Portfolio Manager
Capital One, N.A
2012 - 2016
Assistant Branch Manager
Capital One, N.A
2009 - 2012
Associate of Science - Business Management
Montgomery College