Mountain Mentors Associates Mountain Mentors Associates is a consulting practice engaged in corporate finance, communications and training for risk analysis and assessment. Its principals are Arnold Ziegel and Dr. Ronna Ziegel. Mr. Ziegel is a retired banking industry executive who spent 34 years at Citibank and Citigroup. Dr. Ronna Ziegel, was an instructor of Writing, Communication and English literature for more than 25 years. The firm developed and facilitated Citigroup’s Corporate and Investment Bank Advanced Risk Issues training program. It ran 25 five and six day courses, globally, to more than 400 senior participants over a six year period. Other clients include the Federal Reserve Board, the Institute of International Finance, Fidelity Investments, the European Bank for Reconstruction and Development, The Royal Bank of Scotland, Consultancy Matters, and Intuition Training. Mr. Ziegel and Dr. Ziegel created the content for an online learning course in Corporate Credit Analysis. This course evolved into the publication of their book, “Fundamentals of Credit and Credit Analysis”, available on Amazon.com. Mr. Ziegel held leadership positions in many areas of Citibank's global corporate banking business, with particular emphasis on corporate finance and risk analysis. He was a Senior Credit Officer of Citibank for more than 20 years. He has extensive experience as a banker to multi-national corporations, financial institutions, non-investment grade corporations and entrepreneurs. Immediately prior to his retirement from Citigroup as a Managing Director, Mr. Ziegel was responsible for Citi's Global Banking Industry strategic marketing and risk analysis. In this capacity he advised financial services industry clients in Europe and the United States about corporate strategies to enhance shareholder value. For eight years, Mr. Ziegel was Senior Banker and Managing Director for Citibank's corporate banking and corporate finance business with the Retailing Industry in the United States, and non-investment grade corporate clients in the New York City area. He also has extensive experience as a Senior Banker in Asset Securitization. He initiated and closed one of the first securitizations of future cash flow royalties. Earlier in his career he managed a portion of Citibank’s Private Banking business with high net worth entrepreneurs. He also spent seven years managing Citibank’s relationships with international ship transportation companies in Europe and Asia. Mr. Ziegel was a management consultant with the Financial Institutions and Management Sciences practices of Arthur D. Little, Inc., a consulting firm based in Cambridge, Massachusetts. Ronna Ziegel, Ph.D., earned her doctorate in education from New York University. She holds a B.A. degree in journalism from The Ohio State University, and a master’s degree in education from Manhattanville College. She taught writing for 26 years at a highly acclaimed New York suburban secondary school. Mr. Ziegel holds an MBA degree from the Columbia University Graduate School of Business, and a B.Sc. (with distinction in economics) from The Ohio State University. He also pursued a Ph.D. in Finance at the New York University Graduate School of Business. Mr. Ziegel and Dr. Ziegel live in Stowe, Vermont, in the United States.