Yolanda Rico
Banking
Carlsbad,NM
Summary
Dynamic mortgage professional with over 22 years of experience in the banking sector. Demonstrated ability to lead cross-functional teams, maintain compliance standards, and provide exceptional customer service. Eager to leverage expertise in financial analysis and loan processing to drive operational excellence.
Highly-motivated employee with desire to take on new challenges. Strong work ethic, adaptability, and exceptional interpersonal skills. Adept at working effectively unsupervised and quickly mastering new skills.
Overview
23
23
years of professional experience
2000
2000
years of post-secondary education
Work History
AVP mortgage loan officer
CNB Bank
Carlsbad, NM
06.2003 - 01.2026
- Managed cross-functional teams to streamline operational processes and workflows.
- Kept up with compliance banking regulations and standards.
- Requested documents and Financials from customers
- Submitted loan applications and prepared closing docs
- Scheduled appointments
- Closed loans with customers
- Uploaded Financials and reviewed financial spreads
- Customer service skills, followed up with customers in timely manner via phone or email
- Sent customer demand letters
- Updated insurance information and escrow analysis
- Ordered bank supplies
- Took training programs to improve service delivery and efficiency.
- Led strategic initiatives to enhance customer experience and satisfaction.
- Explained different types of loans pertaining to client situations.
- Checked loan documents for accuracy prior to closing.
- Analyzed loan applications and credit reports to determine loan eligibility and risk level.
- Assisted clients in selecting correct loan product and terms to meet needs and financial goals.
- Maintained high level of customer satisfaction by providing prompt and accurate loan status updates.
- Communicated with clients, processing teams and other third parties to achieve prompt loan closings.
- Followed up with clients on missing loan documents, providing guidance on best way to complete application process.
- Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
- Compiled closing packages for drafting and presentation accuracy.
- Approved loan applications based on customer creditworthiness and provided detailed financial advice.
- Developed and maintained relationships with customers, lenders and other third parties.
- Monitored pipelines to track and log status of loans.
- Processed loan applications and monitored progress from start to finish.
- Evaluated loan requests and documents to verify accuracy and completeness.
- Assisted customers with completing loan applications and other paperwork.
- Reported issues to higher management with great detail.
- Worked with underwriters to fix application problems and resolve issues.
- Worked with Hawthorne, Bankway FIS, CSI Newpoint, MortgageBot Finastra, DocMagic, Salseforce, Xcel, Mircrosoft, Adobe, Docusign
CNB Bank
CNB Bank
Carlsbad, NM
06.2003 - 01.2026
- Completed day-to-day duties accurately and efficiently.
- Contributed innovative ideas and solutions to enhance team performance and outcomes.
- Worked successfully with diverse group of coworkers to accomplish goals and address issues related to our products and services.
- In the 22 years at CNB Bank I have had several positions and titles.
- Started as a teller
- Teller trainer
- Customer Service representative
- Collections
- New accounts representative
- CD and IRA consultant
- Mortgage loan secretary
- Secondary Market servicing manager
- And AVP mortgage loan officer
- Lots of banking skills and customer service
- Promoted high customer satisfaction by resolving problems with knowledgeable and friendly service.
Education
Loving High School
Loving, NMSome College (No Degree) - Basics
NMSUC
Carlsbad, NMSkills
- Mortgage underwriting
- Financial analysis
- Loan processing
- Compliancexcee management
- Cross-functional communication
- Documentation and reporting
- Cross-functional team leadership
- Customer support
- Microsoft applications skills
- Verbal and written communication
- Problem-solving
- Time management
- Friendly, positive attitude
- Excellent communication
- Customer service
- Dependable and responsible
- Decision-making
- Problem resolution
- Interpersonal communication
- Written communication
- Active listening
- Customer relations
- Microsoft Word
- Team management
- Written & oral communications
- Excellent multi-tasker
- active listening
- Excellent driving record
- Telephone and E-mail communication
- Excellent recordkeeping skills
- Bilingual communication
- Excellent team building skills
- Teamwork and communication
Languages
English
Full Professional
Spanish
Limited
Affiliations
I have served as an Ambassador for Carlsbad Chamber since 2021
References
References available upon request.
Work Preference
Work Type
Full TimeLocation Preference
On-SiteRemoteTimeline
AVP mortgage loan officer
CNB Bank
06.2003 - 01.2026
CNB Bank
CNB Bank
06.2003 - 01.2026
Loving High School
Some College (No Degree) - Basics
NMSUC