OUR TEAM
Mr. Kendrick is founder and owner of Kendrick Services. His firm has been in existence since 1990 and provides internal audit consulting and outsourcing primarily to financial institutions. Previous to this, Mr. Kendrick served as Director of Internal Auditing for a $3 billion thrift (San Antonio Savings Association) for six years. Here he managed an internal audit staff consisting of financial, IT, and branch audit divisions. Previous to SASA, Mr. Kendrick managed the financial and Trust internal audit divisions for Frost National Bank in San Antonio for 4 years. Mr. Kendrick has served in other internal audit capacities since 1976, providing him many years of financial institution internal auditing experience with both large and small institutions. Mr. Kendrick is a frequent author for the Banker's Digest magazine, writing articles relating to the financial industry.Each of his articles dating back to 1997 can be found in the "BLOG" section of our website.
Mr. Kendrick is a CPA and a member of the American Institute of CPA's, Texas Society of CPA's, and the San Antonio chapter of CPA's. He is also a Certified Bank Auditor (CBA), Certified Risk Professional (CRP) and has received his Certificate in Bank EDP Auditing from the Bank Administration Institution. Mr. Kendrick is a graduate of West Texas State University (now known as West Texas A&M) in Canyon, Tx. where he obtained an Accounting major.
Bryan and his wife live in Spring Branch, Texas.
Mr. Osborn joined Kendrick Services in March 2009. For the previous 10 years, Todd was Director of Information Technology and Operations for a large multi-state wireless retail chain. He led organizational activities of the Information Technology Department, including needs analysis, operational direction, and IT services to all departments. Todd has extensive experience in the engineering, administration, and support of diverse information systems and a track record for diagnosing complex problems and consistently delivering effective solutions.
In 1992, Mr. Osborn obtained a Bachelor of Arts and in 2000 a Masters of Arts from the University of Texas at Austin. Todd is a CISA (Certified Information Systems Auditor), CISSP (Certified Information Systems Security Professional) and C|EH (Certified Ethical Hacker). He is a member of the national and local chapter (Austin) of the Information Systems Audit and Control Association (ISACA) and International Information Systems Security Certification Consortium, Inc (ISC)2. The CISSP is the elite certification for all IT security professionals. The C|EH is a professional certification provided by the International Council of E-Commerce Consultants (EC-Council). A C|EH has obtained a certification in how to look for the weaknesses and vulnerabilities in target systems and uses the same knowledge and tools as a hacker. Mr. Osborn most recently obtained the Certified Chief Information Security Officer (C|CISO) certification from EC-Council (May 2024).
Todd manages various IT Audits, internal and external network vulnerability assessments, and various social engineering engagements. Todd is continuously evolving his skill sets through formalized training and lab work to meet the requests of our client base.
Todd and his wife live in Austin, Texas.
Mr. Welsh joined Kendrick Services in May 2020. Initially, Gary’s primary responsibilities will lie within the operational and compliance audit realms. But Gary has extensive experience with Loan Review and our hope is to pursue this line of services to help us complete the entire package of internal audit servicing needs for financial institutions. Prior to his coming on, Gary was a Director for CliftonLarsonAllen (CLA) working within their national Financial Institutions Group. With CLA, Gary managed loan review and Allowance for Loan and Lease Loss model validation engagements for lending institutions, including banks and credit unions throughout Texas and the broader Midwest. Gary has experience in evaluating a diverse range of commercial real estate, agricultural, residential, and SBA lending programs; evaluating leasing products, C&I and business lending programs as well.
Prior to CLA, Gary was a Senior Internal Auditor for Capital Farm Credit, ACA, in Bryan, TX. Here he performed internal audits across the Association’s operations, including SAFE Act Compliance, IT Governance, Business Continuity Planning, Governance and Policy, Business Planning, Succession and Affirmative Action Planning, Investment Management, Regional Credit Office Operations, as well as auditing assistance for FDICIA. Also in his past, Gary worked in the Bank Services Division of JRBT (Waco) and Condley & Company, LLP (Abilene) where he managed bank-wide loan or credit reviews, including evaluating Bank managements’ methodology for estimating the Allowance for Loan and Lease Losses, regulatory compliance audits, internal audits, and mergers & acquisitions due diligence for regional community commercial bank clientele throughout Texas ranging from $50MM to $4 Billion in total assets.
From 2002 through 2009, Gary served as both a Senior Commercial Loan Officer for Vantage Bank and Branch President for First Savings Bank, both in El Paso, TX. His responsibilities included loan review and credit administration, as well as, managing a commercial and residential loan portfolio, credit administration, as well as all banking operations. Gary is also a licensed Texas real estate broker.
Mr. Welsh is a CPA, CRCM and CAMS and a member of the AICPA, TSCPA and ABA. Mr. Welsh is a graduate of the University of Texas at El Paso where he obtained his BBA in Finance and Marketing.
Gary and his wife live in Austin, Texas.
Mr. Miller joined Kendrick Services in 2016. Rick’s primary responsibilities lie within the BSA and ACH audit realms. He brings 29 years of extensive bank operations and lending background to our practice. Prior to his association with Kendrick Services, Rick was with First State Bank of Harker Heights for 2 years serving as SVP Loan Officer.
Prior to this, he served as SVP Loan Officer for 7 years for Union State Bank in Killeen. Also prior to this, Rick worked for First Texas Bank in Killeen for 20 years, starting as a commercial/vault teller and advancing in various positions all the way to Cashier of the bank for his final 8 years there.
Rick is a Certified BSA / AML Professional (CBAP). He also has extensive experience with compliance regulations, ACH and BSA through his operational and lending background and experience. Rick has an Associates in Applied Science Degree in Banking and Finance from Central Texas College. He also earned a diploma from AIB’s Foundations of Banking. Rick has attended various banking schools, including:
- ABA / SWGSB Commercial Lending
- School SWGSB - Freshman Year
- Texas Banker’s Association Operation's School
- Texas Tech School of Banking - Year One
- Texas Banker’s Association Lending School
- Texas Banker’s Association Investment
- ICBA BSA/AML Certification Program
- e-PayResources AAP Certification Program
- ProBank BSA/AML Seminars
Mrs. Etheredge joined Kendrick Services in May 2023. Melissa has a strong background in lending. Melissa’s primary responsibilities will lie within the operational and loan review realms. In March 2019 to June 2022, Melissa served Happy State Bank as a VP and Commercial Loan Officer where she originated, reviewed, processed, closed and administered customer loan proposals; worked closely with bank’s credit analyst team to perform underwriting and preparation of loan packages for a Loan Portfolio of $40MM, consisting mainly of Commercial Loans for small to medium size businesses; originated all facets of Real Estate lending to include, land development, construction, and owner and non-owner occupied real estate; maintained credit files to include financial reporting requirements, covenant requirements, past dues, plus maintain minimum credit and collateral exceptions per bank’s credit policy; and other related duties to strengthen banking relationships with regional businesses and local community organizations.
In years prior to this, Melissa served in other banks as a lending officer (First Victoria Bank, f.k.a., First State Bank in New Braunfels – 6.5 years), Branch Manager (First State Bank in New Braunfels – 4 years) and Senior Personal Banker (Bank of America – 7 years).
Mrs. Etheredge obtained a B.B.A. in Management from Texas A&M University. She also completed the Graduate School of Banking at Louisiana State University.
Melissa and her husband currently live in New Braunfels.
Mrs. Garcia joined Kendrick Services in January 2020. Mary Jane’s primary responsibilities lie within the operational and compliance audit realms. Mrs. Garcia brings 20 years of extensive bank Deposit and Lending operations, and Compliance to our practice. Prior to her association with Kendrick Services, Mary Jane was with Lone Star Capital Bank in San Antonio for 20 years serving in Compliance, Loan and Deposit Operations administration.
Mary Jane has an Associates of Arts degree from San Antonio College and a Bachelors of Business Administration from UTSA.
Mary Jane and her husband live in San Antonio, Texas.
Mrs. Granger joined Kendrick Services in July 2022. Tammi has a strong background in banking operations, especially with loans. Tammi’s primary responsibilities will lie within the operational audit realm. In March 2007, Tammi joined Pioneer Bank, at that time a small de novo community bank located in downtown Dripping Springs, Texas. Tammi brought 28 years of banking experience to this young de novo bank, wearing multiple hats, including extensive lending operational experience with 18 years of underwriting. Having been a seasoned manager and leader, she was able to step in to be instrumental in the growth of the young bank.
As Director of Credit Administration/Loan Operations, Tammi …
• Was responsible for the formation of credit administration department, as well as, Loan Operations and assisted in establishing policies and procedures for both
departments.
• Worked closely with Compliance, responsible to see that loans were properly coded to meet CRA requirements, as well as, very involved with BSA loan compliance
ensuring regulatory guidelines were met.
• Developed expert knowledge of nearly all types of loans, commercial, construction, mortgage portfolio, secondary market loans, as well as, consumer lending.
Prior to Pioneer Bank, Tammi worked for State Bank, headquartered in La Grange, Texas, with twenty-two full-service banking centers located in central and south-central Texas. State Bank is a $1.1 billion financial institution. Tammi served as Senior Vice President and Operations Manager with responsibility for growing a loan production office. Wearing many hats, she wrote operating policies and procedures; was given underwriting authority for FNMA products and correspondent lenders; gained an in-depth knowledge of all aspects of origination and processing requirements for conventional loans, FHA loans, VA loans, Freddie Mac, and Fannie Mae loans; managed processing, underwriting, closing, funding, and shipping departments; and reorganized the operational flow and distribution of work to maximize efficiency and cost savings for the bank.
Together with her 15 years at Pioneer Bank and 7 years at State Bank, Tammi has a total of 29 years of banking experience. Tammi and her husband currently live in Austin, Tx.
Mr. Schrader joined Kendrick Services in October 2021. His primary responsibilities lie within the IT audit realms. Rick brings a very strong background in IT operations and education. Prior to his association with Kendrick Services, Rick was the Systems Communication Engineer for the Midway ISD in Hewitt, Texas, for 3 years. Among his many responsibilities were Data Integrations and Automations Administrator, Single Sign On Administrator, Active Directory/Accounts Administrator, Exchange On Premise/Office 365 Administrator, Email Phishing Simulations Administrator, Cisco Call Manager Administrator, Cisco Unity Administrator, Google District Administrator, Clever District Administrator, Administrator for a host of school-wide user applications, and Ad-Hoc SIS (eSchool) and HR (eFinance) reporting.
Prior to this, Rick worked almost 5 years for Lorena ISD in Lorena, Texas, as their Business and Technology Teacher. His responsibilities included President of the Lorena Education Instruction Committee, Professional Learning Community Leader for Career and Technical Education, Campus Technology Team, District Site Based Decision Committee member, and the UIL Computer Applications coach. Classes Rick taught included Digital and Interactive Media, Web Technologies, Video Game Design, Computer Science, Computer Programming, Graphic Design/Yearbook, and Business Information Management.
Rick has also worked with the Waco ISD (Waco, TX) and West ISD (West, TX) as their Information Technology and Business Teacher. Rick’s software experience includes Visual Basic for Applications, Java, Python, SQL, HTML, Adobe Master Collection, Campus Website Administrator, and LDAP Queries.
Mr. Schrader is a CISA (Certified Information Systems Auditor). The CISA is probably the most well-respected certification for information systems auditors. Rick plans to acquire the CISSP (Certified Information Systems Security Professional) certification. He obtained a Bachelor of Business Administration degree from Sam Houston State University.
Rick and his wife currently live in Waco, TX.
Mrs. Campbell joined Kendrick Services in July 2022. Naomi has a strong background in loan operations. Naomi’s primary responsibilities will lie within the operational audit realm. In March 2012, Naomi joined Pioneer Bank as a Loan Processor. In that capacity, Naomi generated TILA-RESPA disclosures; prepared revised disclosures, NOls and AANs; supported lenders and processors with compliance matters by staying current on regulations, including TILA, RESPA, TRID, ECOA, HMDA, FCRA, FDPA, HOEPA. In addition, she was responsible for HMDA compliance, reviewing loan files, preparing reports, verifying data and submitting the annual LAR; working closely with the bank’s Chief Compliance Officer. Naomi processed construction and lot loans and opened title loans by reviewing contracts, credit, income and assets, leases, entity documentation, appraisals, and builder/construction docs.
In March 2019, the Director of Loan Operations at Pioneer Bank recruited Naomi as a Loan Center Specialist primarily to take over the disclosures desk in mortgage lending. In this new capacity, Naomi not only received commendations for compliance milestones of zero audit findings on the disclosures desk, but also contributed to exceptional HMDA reporting; improvement of the Quality Control process; streamlined loan file opening and decreased submission time from 3 days to 24 hours; delivered rate locks with speed and precision; exceeded appraisal desk expectations by executing order requests within 60 minutes; generated and published the weekly portfolio rate sheet; accelerated file momentum throughout the origination process; ordered and reviewed attorney closing docs; funded loan closings; booked loans; and submitted loan packages to investors for purchase review.
In addition to her 10 years at Pioneer Bank, Naomi also worked 2 years at IBank (Lakeway, Tx.) as a Lending Associate. Combined, Naomi brings 12 years of banking experience. Naomi and her husband currently live in Austin, Tx.