The faces behind the phones.

Carrie was born and raised in Monroe and has been in the lending business since 1983 — longer than most of our customers have been alive. Her first loan was at 18, for a red Firebird. More than four decades later, she still gives every customer the same thing: 100% of her attention, no rushing, no judgment. When she's not at the office, she's tending her tomatoes or spending time with her children and grandchildren.

Julie grew up in Burbank, California — yes, you read that right. In 2018, she took a leap of faith, moved to Monroe with Kevin, and helped take the reins at Citizens Financial. She has a deep respect for money and what it means to take care of what you have — and that comes through in every conversation. Most days she's the first face you see when you walk in, and she wouldn't have it any other way. Outside the office, she's a serious quilter and fabric artist, an avid gardener, and devoted to the Airedales.

Kevin grew up in Buckhorn Bend and signed his first loan paperwork at 12 — a pair of speakers, co-signed by his dad, paid off one yard at a time. After LSU, he headed west to chase music and then a career in finance. In 2018, he and Julie came home to Monroe and took over Citizens with a belief that hasn't changed: people deserve to be treated with dignity when they need help. Outside the office you'll find him in the garden, listening to his stereo, or playing guitar — Jasper and Shiloh usually close by.

Jasper joined the family in October 2019 and has been the face of Citizens Financial ever since — appearing on postcards, in leprechaun hats, and in more than a few Google reviews. He enjoys digging holes, sleeping in awkward positions, and looking handsome.

Shiloh joined the family in October 2022 and immediately got to work. He enjoys chewing on antlers, chasing squirrels, and causing general mischief — usually at Jasper's expense. He's appeared in Valentine's campaigns, Halloween pieces, and the occasional 80s throwback.