Terry Herndon joined the senior living team at Ziegler in the spring of 2001. As a director, his primary focus is concentrated on providing analytical and technical support to senior living bankers in the Southeast and Gulf States. Terry has 23 years of experience in the securities industry. His responsibilities have included fund accounting, financial modeling, debt capacity, and cash flow analysis. He has been involved in a wide variety of debt structures, including unrated, rated, enhanced, fixed-rate, variable rate, step-coupon, and capital appreciation bonds. Transaction types include start-up CCRCs, campus repositionings, current, advance, and forward refundings. Terry has worked wi