Phil Culpepper

Mr. Culpepper joined Ramirez in 2010 as the head of its Midwest team and has 11 years of municipal finance experience. During most of his career, he has served in various roles in state government with a sole focus on municipal finance. Mr. Culpepper has served as the Deputy Executive Director/Chief of Staff of the Illinois Housing Development Authority, the Director of Capital Markets for the State of Illinois and as a budget/bond analyst for the Illinois Tollway. During his tenure with the State of Illinois and its authorities, he has lead over $10 billion in bond and derivative transactions and was one of the chief architects of the State of Illinois� $31 billion �Illinois Jobs Now� capital improvement plan. Mr. Culpepper has a degree in economics from Loyola University Chicago and served as a Non-Commissioned Officer in various U.S. Army Infantry units.