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Andrew Pray is a Financial and Operations Analyst at Hilltop Bank since June 2022, specializing in the analysis of bonds, subordinated debt, and agency equity to optimize the bank's alternative asset and bond portfolios. Prior experience includes a Credit Analyst role where Andrew conducted financial analysis to assess creditworthiness and prepared presentations for loan requests. Past internships at the University of Wyoming provided experience in financial processes, including advanced projects related to investment portfolios. Andrew holds a B.S. in Finance and a B.S. in Economics from the University of Wyoming, complemented by an earlier tenure at Stony Brook University.