Ryan Zimmerman Email and Phone Number

• Head of the Technology, Media, and Telecommunications credit risk team, covering large corporate, investment grade clients. • Structure, negotiate, and underwrite large merger & acquisition transactions and syndicated bank loan capital commitments.• Manage a global team of Vice Presidents, Associates, and Analysts within the TMT industry.

• Manage a portfolio of large corporate clients in the Technology, Media, and Telecommunications industry. • Structure, negotiate, and underwrite large merger & acquisition transactions and syndicated bank loan capital commitments.• Manage the associates and analysts within the TMT team. • Credit approval authority up to $1.0 billion. • Manage a portfolio with over $10.0 billion in credit commitments. • Involved in numerous credit transformation projects to drive efficiency and cost savings.

Corporate Banking Group• Partner with relationship managers to structure multi-million to billion-dollar transactions, including the underwriting and execution of merger & acquisition financing and syndicated bank loans.• Direct workflow of associates and analysts on the deal team to prepare underwriting memorandums, annual reviews, and projection models.• Manage a portfolio of investment grade and non-investment grade clients with over two billion dollars in credit commitments.• Credit approval authority for new and existing clients• Manage a number of regulatory and compliance-driven responsibilities and reporting requirements.• Served on an exclusive task force for a highly critical, time-sensitive consent order remediation project.• 2018 Pinnacle Award recipient – given to top performers that consistently exceed expectations and show tremendous commitment to customers and the Wells Fargo team. • Meet client needs and identify potential cross-sell opportunities for other Wells Fargo products and services.• Underwrite Bridge Loan financing for Mergers & Acquisitions, Revolving Line of Credits, Term Loans, Letters of Credit, Bilateral lines of credit, Treasury Management products, Swaps, Interest Rate transactions, foreign exchange, commodities, purchase cards, etc.

Manage a portfolio of investment grade & non-investment grade accounts with aggregate credit exposure over $1 billion. Responsible for underwriting new transactions, renewing existing facilities, and continually managing a portfolio of assigned accounts.

US Corporate Banking GroupManage client relationships with Fortune 1000, investment grade & non-investment grade companies with revenues that exceed $500 million. Analyze a company’s financial and operational strengths and weaknesses including leverage, key risk factors, sources of repayment, cash flow, and ability to service debt.Partner with relationship managers to structure multi-million dollar transactions, including the underwriting and execution of syndicated bank loans. Conduct financial and industry analysis to determine viability of client relationships.Prepare underwriting memorandums and company annual reviews.Monitor loan agreements for covenant compliance.Meet client needs and identify potential cross-sell opportunities for other Wells Fargo products and services.

- Model and forecast company performance. - Create assumptions and perform different scenarios on the projection model. - Upgraded the company’s existing projection and forecasting model. Analyze potential station acquisitions.- Assisted the company in the exchange of sr. sub notes (2009), amendment of the senior credit facility (2009), and refinance of the senior credit facility and new bond issuance (2010). - Consolidated over 50 station budgets and make changes to individual stations and the corporate-level budget. - Calculate financial covenants and prepare all compliance certificates under the terms of the company’s credit agreement. - Act as the Company’s Cash Manager. Manage the Company’s daily cash position (signing checks for accounts payable, payroll, wire transfers for debt service, etc.).

Leveraged Loan Financial Analyst •Provided debt financing of leveraged buyouts for Private Equity Firms and Hedge Funds.•Evaluated creditworthiness of companies and performed due diligence. •Analyzed financial statements, assessed potential investment company’s valuation, and performed industry research and competitor analysis.•Underwrote new investment opportunities for discussion with senior credit committee with credit approval of $5 million to $75 million.•Managed a portfolio of accounts.•Presented quarterly updates on accounts to senior management.Settlement / Operations Analyst •Managed the daily operations of Orix’s Leveraged Finance portfolio:Account borrowings, principal payments, libor contract rollovers, interest & fee payments, and borrowing base availability.•Entered the daily & monthly pricing for Orix’s Capital Markets portfolio of bonds and loans. Ran and distributed daily reports.•Reconciled monthly reports with Orix’s prime brokerage accounts.•Provided loan officers with information about accounts in the portfolio.

• Analyze corporate financial statements and tax returns.• Calculate monthly, quarterly, and annual financial ratios & borrowing base availability.• Setup accounts in portfolio to be monitored based on the loan documentation requirements.• Liaison between the underwriters and relationship bankers to provide information for renewal, compliance of the borrower, and waiver of required documents in the loan agreement.-Initial Credit Education Training

• Interpret homeowner’s loan documents.• Serve as single point of contact for customers in order to answer questions related to their mortgages.• Provide critical information to homeowners, title companies, and loan officers.• Create payment plans for homeowners.Subordination Processor• Assess the risk involved for Homecomings Financial to remain as the second lien holder.• Approve or deny subordination request.