Melissa Etheredge
Operations Team Member
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.
