Andrew Tapper Email & Phone Number

Atlanta, Georgia

- Directly responsible for portfolio management of nearly $2B credit portfolio, primarily consisting of leveraged loans to beverage distributors/manufacturers. - In past two years alone, underwrote and structured loans representing > $1B in new loan commitments, generating > $5MM in upfront fees and > $20MM in recurring interest income.- Work directly with CEO/CFOs to understand capital needs and structure/underwrite related credit facilities. Partner with Wells Fargo’s Derivatives, Debt Capital Markets, and Treasury Management teams to help solve clients’ broad banking needs.- Prepare and present Enterprise Value and Debt Structuring/Repayment analyses to Wells Fargo’s credit management team.- Serve as lead underwriter on many of the team’s largest and most complex transactions. Examples include: (a) > 35 lead or sole-bank leveraged credit facilities of $50MM-$250MM to beer distributors for M&A and shareholder recapitalizations, (b) multibillion-dollar lead-bank credit facility to a private spirits manufacturer to support M&A, (c) > $100MM sole-bank credit facility to a private non-alcoholic beverage manufacturer for growth projects.- Created/authored multiple special projects, including: (a) proprietary beer distributor M&A database for use in client and Wells Fargo management meetings, (b) white paper examining the impact of Wells Fargo’s existing risk-rating system on beer distributor loans; recommended an alternative industry-sector ratings grid specific to beer distributors, (c) extensive beer industry presentation delivered to Wells Fargo senior management covering distributor benchmarking metrics, M&A trend analysis, and post-transactional leverage analysis to highlight transactions with large forecast misses to identify best practices and common errors. - Mentor junior credit staff, including creating and leading classes on modeling, financial analysis, etc.

Houston, Tx

- Selected by management to join distressed debt group formed to recover bank capital across all tiers of the energy industry following 2014-2015 commodity price crashes.- Worked on successful restructurings including free-fall and pre-arranged bankruptcies for public E&P companies with large bank groups and multiple creditor classes. Also had successful workout of portfolio of private equity-owned oilfield service companies through business combinations, discounted note sales, and negotiated sponsor guarantees.- Negotiated legal documents and term sheets with clients, financial advisors, and attorneys to build resolution strategies and action plans.- Delivered monthly portfolio presentations to senior credit officers, including asset valuations and DCF recovery models used to set internal accounting loss reserves.

San Francisco, Ca

- Chosen by management to participate in a 5-month advanced credit training program designed to enhance deal evaluation, debt structuring and underwriting skills across numerous lines of business.- Achieved 100% score on 8-hour accounting exam. First Associate within four years to score 100% on all written exams.

Atlanta, Ga

- Underwrote several leveraged and syndicated loans up to $250MM to domestic alcohol distributors, breweries, & soft drink bottlers for acquisitions, recapitalizations, & capital projects. - Responsible for ongoing maintenance and customer contact for leveraged loan portfolio of ~15 clients.- Partnered with Leveraged Finance, DCM, and other lines of businesses to effectively serve clients full suite of product needs.- Delivered benchmarking presentations directly to C-Suite of prospects & clients, reviewing acquisition purchase prices, cash flow forecasts & appropriate debt structures. - Prepared white paper industry reports and benchmarking data for Bank's senior credit executives.- Won Pinnacle Award in Q2’14 & Q2’15.

Minneapolis, Minnesota

- Given de-facto portfolio and substantial responsibility for an analyst due to group attrition.- Underwrote ~$250MM in credit to middle-market companies spanning a range of industries including commercial real estate.- Performed DCF valuations to support leveraged lending across the Bank; monitored borrowing bases for asset-based clients.- Received recognition award for aiding in recruitment of analyst candidates.

Madison, Wisconsin Area

- Founded student-run 501(c)3 nonprofit microfinance organization with mission of small-dollar lending to low income entrepreneurs & student-run businesses.- Led team of 8 to secure tax-exempt status, implement marketing plan & extend 4 loans in first 2 years of operations.- Fundraised $15k via grassroots campaign to initiate pilot loan programs; personally brought in first 2 small business borrowers.

Madison, Wisconsin Area

- Student instructor for a university calculus program teaching Calculus I and II to a class of ~15 engineering students.

Madison, Wi

- Gave multiple presentations as a college student to audiences of 50-100 alumni & entrepreneurs in capacities as President of the Economics Student Association and Co-Founder of The Madison Fund.- Grew membership in ESA to over 100+ students as President. Organized multiple events with distinguished executives, Federal Reserve govenors, and UW professors to help members network and find careers (including traveling events to Chicago and Minneapolis). Oversaw first economics-specific career fair in conjunction with Economics Department.

Madison, Wi