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Bob Kennedy has over 35 years of experience in mortgage lending. Bob worked as a Mortgage Lender prior to joining First & Farmers National Bank, Inc. in 2004. At the bank, they held the position of VP/Mortgage Lending.

Bob Kennedy attended the University of Kentucky from 1972 to 1976, where they obtained a Bachelor of Business Administration (B.B.A.) degree with a focus on Business, Management, Marketing, and Related Support Services. In 1992, they also received certification as a Kentucky Certified Residential Appraiser from the Ky Real Estate Appraisal Board.