ANDREW  J.  WILLIAMS   |   ANALYST
  




Previously, Mr. Williams spent several years as a Financial Relationship Manager for the Bank, where he provided personal financial management, retirement planning and investments services to a distinguished high net-worth client pool.  As a Licensed Investment Representative, Mr. Williams managed a portfolio of over $75 million.  While with the Bank from 1989 to 2000, Mr. Williams advanced from a part-time teller, while attending college, to Assistant Vice President. 

Mr. Williams graduated in 1991 from San Jose State University with a degree in Business Administration.  While pursuing his undergraduate degree, he acquired his California State Accounting Certificate in 1990.  Mr. Williams is a Notary Public.
  Mr. Williams joined Taraval Associates as an analyst in April 2000 after spending over 11 years with the Bank of America.  Most recently, he served as a Business Development Officer for the Bank.  Mr. Williams brings to Taraval Associates a background in business development, personal finance and accounting.  He has in-depth knowledge and experience with cash flow analysis and day-to-day operations of growing businesses.  His responsibilities included analysis of all phases of small-to medium-size businesses in order to develop strategies for growth and profitability and forecasting future financial requirements.