Lending Staff

Carrie works as a Loan Officer at the Credit Union. Her duties include pulling credit reports, underwriting loans for approval, processing loans and completing the documentation to support the loan. She handles every aspect of lending and maintains the loan products to support the underwriting of each loan. She also maintains the Paid Ahead Loan reports, Loan file maintenance, Member file maintenance reports and Youth Center Loans for Cabot Corporation.

She is a graduate of Perryton High School and lived in Perryton until she moved to Pampa in 2007. Carrie worked in the optical field for 12 years, she loves working with people and helping them with their needs. 

Carrie has been married to Jeff Kirkland happily for 12 years. They have a son Daniel Kirkland, daughter and Son in Law Laura & Zach Fenter, daughter MaKayla Mires, and one grandson Tayson Kirkland.

Carrie and her family love to have cookouts with family and friends, going to the lake and just being together. Most of all they love to keep their grandbaby. Carrie has been employed with Cabot Community Credit Union for 10 years.

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Karen Howell-Hapeman works in the lending department in several areas. She helps with loan processing and documentation supporting the loans.

Karen also handles loan collections. She works diligently daily with members who maybe facing financial struggles. She will setup payment plans for members and assist them with alternative payment schedules.

Karen is married to a wonderful Christian man, Wilbur Hapeman; and she loves spending time with her family. 

She spends her spare time doing her favorite hobbies of traveling, reading and baking.

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