Behind the Scenes

Andrew Murrell serves as CFSB’s Chief Information Officer. He oversees the bank’s technology and information systems. Murrell has been with CFSB since June 2002 and has over 20 years of experience in the technology field. His certifications include; Cisco Certified Network Associate, Cisco Certified Network Associate Voice, Microsoft MCP, Security+, Network+ and Netapp. Andrew is a graduate of the Paul W. Barret, Jr. School of Banking in Memphis. He was the recipient of the annual CFSB Leadership Award in 2012 based on multiple nominations by fellow CFSB team members who recognized his outstanding qualities. Andy and his wife, Prisca, have two sons, Nicolas and Benjamin. The family resides in Murray.

Jason joined CFSB in 2008. He currently is the Murray-Calloway County Market President and member of the Executive Committee. These roles have provided Jason and CFSB with the opportunity to be directly involved with the economic growth of Murray-Calloway County and this region for the last decade. Pittman attained his Bachelor’s degree in Government Law and International Affairs from Murray State University (MSU). His financial education includes a diploma from the Paul W. Barrett School of Banking in Memphis. A native of Murray-Calloway County, Jason has been actively involved within the community including fourteen years as a Murray City Councilman and mayor pro tem. He has served on the finance, public safety, and long range planning committees and on the Murray-Calloway County Park Board. Jason also functioned as immediate Past President of the MSU Alumni association and Lions’ club president. He has been the campaign chairman for Junior Achievement, Director of MSU Alumni Corporation of Sigma Phi Epsilon and as a Murray Main Street Design Chairman Executive Committee member. He and his wife Amanda live in downtown Murray with their daughter, Harper.

Jennifer Apple serves as Chief Client Officer. She provides a supervisory role for several areas of the bank including Business Development, Business Services, Calvert City Banking Center, CFSB Investments, CFSB Live! Teller Machines, Client Service Center, Draffenville Banking Center, Retail Banking Administration, Teller Operations and Trust Services. Jennifer has been with CFSB for 37 years. She has worked with Deposit Operations, Electronic Banking, Marketing, Proof Operations, Public Relations, Relationship Bankers and Tellers. Apple has been in bank management for the last 20 years. Jennifer attended Murray State University, while her financial education includes diplomas from the Kentucky Bankers Association General Banking School at the University of Louisville, the Mid-South School of Banking at the University of Memphis and the Graduate School of Banking at the University of Wisconsin- Madison. She also has earned the Accredited Banking Professional Certificate. Jennifer serves with the Head Start Policy Council, WIN Board Member and Playhouse in the Park Board Member/Treasurer. Jennifer has been chair for Court Appointed Special Advocates (CASA) by the Lakes and is a past board member and chair of the Murray-Calloway County Chamber. She is active with ACS Relay for Life, Soup for the Soul and is a WIN mentor. Jennifer has served on the CFSB Board since 2019 and CFS, Inc. since 2020.

Kathy Parker serves as Chief Financial Officer. She has been with CFSB since 1997. She has served on the Accounting team, the Banking Center Administration team and as Chief Operations Officer. She is a graduate of Paducah Community College with an Associate degree and a graduate of Murray State University with Bachelor’s degree in Accounting and Computer Science. Kathy is a volunteer counselor/teacher at Western Kentucky Youth Camp, a volunteer parent for several Marshall County middle school and high school sports teams and served as a past parent committee member of the Calvert City Elementary Mission Statement development team. She also serves as a Bible class teacher for elementary age children and is a coordinator and parent volunteer for the Lads to Leaders program at Calvert City Church of Christ. Kathy resides in Calvert City with her husband, Brad. They have two sons that will attend Marshall County High School in the fall of 2020, Garrett will be a Senior and Logan will be a Freshman.

Waddell graduated from Murray State University in 2012 with a bachelors degree in Finance and from the Paul W. Barret Graduate School of Banking in 2016. He is a Society for HR Management (SHRM) Certified professional but is also completing his masters degree in HR Management at the University of Kentucky. He is serving currently as a member of the State Council for Kentucky Society for Human Resource Management and as a board member for the Four Rivers Society for Human Resource Management. Waddell has been with CFSB for almost 11 years. He began his career in the Client Service Center, taking on several different positions since, including Relationship Banker, Loss Mitigation Specialist, Relationship Banker Team Leader, and Retail Banking Manager. Waddell has completed the CFSB Specialist program and has served on various committees within the organization. Waddell moved to the HR team in 2018 and was promoted to Chief Human Resources Officer in January 2023.

Allen and his wife, Amy, reside in Benton with their two children Jaxon and Keian. They are active members of Three Crosses Church in Benton. In their spare time they enjoy doing DIY projects and spending time doing activities as a family.

Michelle (Cutsinger) Jameson is a native of Marshall County. She began her career at CFSB in September 1995. Jameson has served in multiple areas of the bank including: Teller, Personal Banker, Management Information Systems, Deposit Compliance, Bank Secrecy Act (BSA) Officer, Accounting Team Leader and Internal Audit/BSA/Information Security Team Leader. Michelle’s current role is Chief Risk Officer and her areas of oversight includes Audit, BSA, Compliance, Appraisal, Information Security, Loan Review and File Maintenance Review. Jameson’s financial education includes graduating Cum Laude at Mid-South School of Banking in Memphis, class of 1998. She graduated from Graduate School of Banking in Madison, Wisconsin, class of 2010. She is currently in the process of obtaining the Certified Internal Auditor (CIA) Certification from the Institute of Internal Auditors. Michelle and her husband Daniel reside in Calvert City. They have three children, Austin Jameson, Zach Jameson, fiancée Brittany Ross, and the late Camryn Hardin. They have two grandsons, Titus Jameson and Easton Dunn. Michelle and her family enjoy boating and spending time on Kentucky Lake.

Susan Ybarzabal has 26 years of banking experience. Susan joined CFSB in 2014 and has served as a mortgage lender, McCracken County Market Manager, and currently as the Business Development Officer and Market President in McCracken County. 

Nancy began her career at CFSB in 2008 and has worked as a relationship banker, product specialist, deposit operations team leader, and most recently as our operations officer. Nancy demonstrates, every day, what it is to be a CFSB team member. Her work ethic is amazing as she is always thinking and planning how CFSB can be better from an operational standpoint, which translates into a better client experience. The energy and “can do” attitude that Nancy displays is something we all strive to emulate.Nancy resides in Calloway County with her husband, Terry, and their two children, Ellie and Hatton.

Matt has been with CFSB since August of 2018. After his departure from another financial institution, he served our clients as a Relationship Banker. When our Graves County Banking Center opened in 2019, Matt's can-do attitude and desire for greater challenges afforded him the opportunity to learn the Commercial Admin Assistant role. In September 2021, Matt was promoted to the role of Commercial Portfolio Manager. Matt has a passion for serving the community in Graves County. Matt and his wife, Jana, reside in Mayfield with their 2 children Alden and Layla.