The Carlsbad National bank Newsletter
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February 2019

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Meet Laura Florez
If you step into the Commercial Loan Department at CNB Bank, you will likely get the chance to meet the lovely Laura Florez. Laura is a Vice President/Loans and has been working at CNB Bank for a year and three months.  Before becoming a loan officer at CNB Bank, Laura held the position of internal auditor.

Her job is to assist customers with commercial loans, as well as some personal loans.

"It can be real estate, business acquisition, aircraft, or anything commercial. I work to help businesses stay in business," Laura explained.

When asked how she chose her career path, Laura said, "I didn't. It chose me." She explained that originally, she was not looking for a career in banking, but in 1998 she started at a bank as a loan secretary when she was needing a job. She enjoyed it and continued her career in banking, eventually becoming a loan officer.

"It is the best job to have," said Laura, "every deal is different. If you like diversity, this is the place to be. There is never a dull moment."

Laura was asked if there was any advice that she would like to give customers. She said "The advice that I would give to a customer are practices that I try to follow myself. Three main points: 1. Collaborate with diverse and trustworthy partners. 2. Every interaction is a representation of your brand. 3. Be open to change and new ideas."

She said that the thing she enjoys most about her job is the people; she really enjoys helping others and she also enjoys the people that she works with.

Outside of work, Laura loves spending time with her family and friends, as well as quilting and scrapbooking. "It's important to capture the memories," she said.

If you are interested in a loan or have questions, feel free to contact Laura Florez at 575-234-2583 or
Decreasing Costs for Your Company

With a bit of thought and creativity, you can decrease costs for your business in ways that won’t disrupt your goals or productivity. In fact, careful cost-cutting could even help your company operate more efficiently and serve customers more effectively.
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The Importance of Business Housekeeping

Unless you work with food, you may assume that taking the time to stop and tidy up is a waste. In reality, a clean office goes a long way toward improving your enterprise.
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Determining Your Car-Buying Budget
Avoid overspending by calculating your monthly budget ahead of time

Buying a new car is an exciting process, especially when you’ve been saving and waiting for the right one to come along. Cars are an expensive investment that take time and consideration. Before you hit the dealership, do a little math and determine both your overall and monthly budget.
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Community Giving

CNB Bank has a proud history of community involvement and lending support to organizations in Carlsbad. If your organization is interested in receiving a donation from CNB Bank, please follow the link below to fill out a donation request form.
The History of Mardi Gras
Mardi Gras tradition traces deep roots

In cities around the world, and particularly in New Orleans, Mardi Gras fills the late days of winter with colorful revelry. If you’ve ever wondered how this annual tradition got its start, here’s a look at the roots of the holiday and how it developed in the United States.
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Disclaimer - All content contained in this newsletter is for informational purposes only and should not be relied upon to make any financial, accounting, tax, legal or other related decisions. Each person must consider his or her objectives, risk tolerances and level of comfort when making financial decisions and should consult a competent professional advisor prior to making any such decisions. Any opinions expressed through the content in this newsletter are the opinions of the particular author only.
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