Vice President Manager

Ralph R. White

PO Box **** 917-***-****

Litchfield, CT 06759 www.analyticsnetwork.com

*****.*.*****@*****.***

Analytics Network, LLC 2002 to Present

Managing Member Founded Analytics Network, LLC to provide fundamental

corporate finance analytics, strategic planning, and risk management to

enterprises across a broad spectrum of industries, projects, and markets.

ANL provides expertise in credit analytics, valuations, cash flow

enhancement strategies, financial reporting and controls, investment

project evaluation, hedging and risk management strategies, financial

modeling and analysis, project finance, and leasing and tax-dependent

transactions. Experienced in raising private equity, providing viability

analysis and due diligence. Capital markets expertise includes options,

derivatives, and hybrids.

o Articulate, literate, and professionalized writing, research, and

presentations

o Development and review of business plans, offering memoranda, and bank

loan proposals, including detailed financial modeling

MMC Enterprise Risk Inc., a Marsh & McLennan Company 1999 - 2001

Senior Vice President, Financial Risk Solutions Senior Credit Officer for

credit risk management solutions to enhance profit dynamics for

transactions, projects, credit portfolios, and financial institutions.

Creative structuring of contingent capital, debt service indemnities,

derivative-linked hedges, structured credit enhancement, trade credit, and

residual value indemnities. Initiated VaR analytics for financial

institutions. Responsible for structuring, modeling, and documentation on

a global basis.

o Senior credit review officer for counterparty risk, corporate and project

finance transactions

o Initiated Marsh's contingent capital practice, comprising capital markets

solutions in international project and structured finance

Westdeutsche Landesbank (West LB), New York 1994 - 1998

Vice President, Corporate Finance, Senior Transactor Recruited to design

and implement a strategic turnaround in the Corporate Finance Division

through a combination of new business development, tactical retreat,

multidisciplinary team building, and new credit modeling and evaluation

techniques. Introduced RAROC pricing methodology to meet new capital

adequacy regulations.

o Marketed structured corporate finance, including derivative-linked

products, asset-backed finance, trade finance, project finance, leasing

and tax-dependent structures.

o Served as Chief Credit Officer to Corporate Finance Division, with

responsibility for credit modeling, capital allocation, pricing, and

policy compliance.

Sumitomo Bank, New York 1989 - 1994

Vice President, Corporate Finance, Team Leader and Senior Client Manager:

Developed new corporate finance business by identifying, evaluating, and

marketing new risk-driven products meeting stringent RAROC criteria.

o Initiated consultative marketing techniques for derivatives and tax-

dependent transactions, which accounted for over half of all new

revenues.

o Highlight: originated a $1 billion, multi-currency, reverse repo

securities facility for a leading international investment fund,

producing perpetuity revenue to Sumitomo of $1 million annually, with no

use of regulatory capital.

Standard Chartered Bank, New York 1988

Vice President, Highly Leveraged Transactions Created the credit metrics

underlying the bank's leveraged finance capability. Responsible for

business development, credit analysis and modeling, approval presentations,

and documentation.

o Reached NY office's $1 billion limit for its highly levered loan

portfolio in one year.

Chase Manhattan Bank, Asia and New York 1973 - 1987

Several assignments of increasing responsibility in Asia and New York,

including:

o New York: Vice President, Corporate Finance Team Leader, 1984 -

1987

Telecommunications: industry-wide business development

o New York: Vice President, Strategic Planning Team Leader: 1981 -

1983

Developed and implemented strategic plans for international branches

o Assignments in Thailand, Vietnam, and Hong Kong: 1975 -

1980

Marketed corporate finance and trade and commodity finance

o New York: Global Credit Training Program: 1973 - 1974

Credit Associate and Asia Region Staff Credit Officer

American Express International Banking Corp., Vietnam 1971 - 1972

o General Manager, Pleiku, Vietnam. Responsible for all aspects of

consumer banking operations and financial performance.

Education:

MBA, Finance, Columbia University, 1994

BA, Economics, University of Maryland, 1970

Certifications and Memberships:

Global Association of Risk Professionals, CT Chapter

Licensed Mortgage Lender, NMLS #87591

President, Litchfield Country Club, Litchfield, CT, 2006 - 2009

Trustee, Greater Litchfield Preservation Trust, 2007 - present

Co-Founder, Columbia University Alumni Fiction Writers

Founder, Litchfield Professional Network

Languages:

Thai, French

Publications:

Litchfield, Arcadia Publishing, 2011

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