Andrew Ripple Email & Phone Number

Contact: Andrew.Ripple@CuarzoHC.com330-550-4742

Buffalo, New York, Us

- Managed a client relationship portfolio of public and private REITs totaling ~$1.4 Bn in direct exposure- Underwrote and closed ~$1.0 Bn in syndicated REIT loans, including several as a joint lead arranger - Prepared internal credit memos, transaction/credit modeling, completion of due diligence requirements- Delivered credit presentations for review & approval to the senior loan committee- Deepened client relationships via capital markets, treasury, derivatives, and deposit activities

- Led a grassroots effort that included canvassing more than 23,000 doors (10,500 doors myself)- Responsible for handling media, civic association, and elected official outreach and meetings- Focused on campaign strategy, budgeting, messaging, voter outreach, logistics- Campaign came in third place (out of six), with 13,934 votes

Columbus, Ohio, Us

- Manage a portfolio totaling $400 million in direct credit exposure- Structure, underwrite, and close broadly syndicated REIT loans- Manage risk on an ongoing basis by monitoring customer credit worthiness, adherence to loan terms, and general business conditions- Manage annual reviews, portfolio reviews, risk ratings, covenant compliance, borrowing bases, and other financial reporting

Pittsburgh, Pennsylvania, Us

- Serve both the Commercial and Middle Market/Large Corporate teams covering Alabama, Louisiana, and Mississippi- Responsible for a portfolio of existing clients and actively seek to further build relationships - Utilized SalesForce on a day to day basis for the entire sales process- Cold-calling prospects in order to set up introductory meetings and build relationships - Assist credit underwriting partners in completion of internal credit approval documents - Support relationship managers focused on businesses with annual revenues greater than $5 million - Directly manage and mentor multiple summer interns, involving them on live deals, projects, and prospect calls - Involved in campus informational sessions and interviews for interns/full-time hires at The University of Alabama

Pittsburgh, Pennsylvania, Us

• Relationship management intensive experience for middle market and corporate clients and prospects• Identifying and researching of potential prospects in Alabama, Louisiana, and Mississippi• Writing and compiling of pitch books and credit documents for both internal and external parties • Managed and mentored a summer intern, involving them on numerous deals, projects, and prospect calls• Supported PNC's Food and Beverage Group on a short-term rotation, compiled and ranked prospect lists

Pittsburgh, Pennsylvania, Us

• Completed formal credit training program• Underwriting intensive experience for middle market and corporate credit facilities• Perform financial statement analysis to evaluate historical and pro-forma operating performance and determine inherent credit strengths and weaknesses of clients• Writing and compiling of documentation of loan offerings and reviews of credit relationships• Analysis of credit strength of prospects through financial and projection calculations

Tuscaloosa, Alabama, Us

I created and hosted my own radio show, Crimson 80's, on 90.7 FM, WVUA Tuscaloosa. After a semester of training, my show aired from Fall 2013 to Fall 2015. Responsibilities included:- Creating each week's setlist and topics- Interaction with listeners who called in- Announcing (public speaking) public service announcements

Pittsburgh, Pennsylvania, Us

- Underwriting intensive experience for commercial credit facilities, hands-on team member for the offering for a new client and periodic reviews of existing clients- Performed financial statement analysis to evaluate historical and pro-forma operating performance and determine inherent credit strengths and weaknesses of clients- Formulated profitability, liquidity, and coverage analysis to assess clients and determine appropriate financial covenants

Tuscaloosa, Alabama, Us

-Continued my Sageworks project from my Summer 2014 internship-Prepared for our annual review and audit by credit union regulators -Used Sageworks credit analysis program to create credit files for our members’ business loans-Used Sageworks to analyze potential business loans.

Tuscaloosa, Alabama, Us

-Worked closely with the VP of Lending and Business Loan Officer to update members’ financial information -Used Sageworks credit analysis program to create a database for our members’ mortgages and business loans-Used Sageworks to analyze potential business loans.-Made a presentation to the senior management team about working with the United Way of West Alabama

Responsibilities included:- Sales Prospecting - Secured sales of Athena Protein Bars to 350 convenience store locations- Logistics/Shipping of samples- Inventory Management- Basic office work- Greeting visitors and job applicants

New York, Ny, Us

I worked as an unpaid summer intern at the Youngstown, Ohio Clear Channel affiliates. My responsibilities included setting up for remote broadcasts, screening callers for talk shows, and general office work.

Bachelor'S Of Science In Commerce, Finance (Banking And Financial Services)

Education record

High School Diploma

Associate'S Degree In Applied Business, Accounting