Who We Are

Cary Wingfield Raditz, CFA--Banking and Investment Analyst |
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Senior Investment Strategist, Specialty EMRG Inc,
Silver Spring, Maryland 20903
Specialty Finance Advisory practice
Tel: Nairobi cell: +254 (0) 727-25.25.20 (residing in Kenya)
Email: craditz@specialtyfinance.com

Key Qualifications

• Director of Wingfield Investment Services, a registered Kenyan company
• Investment strategist, international banker, banker trainer, financial analyst
• Chartered Financial Analyst (CFA®) since 1997 and member of The CFA Institute
• 30+ years experience, New York, Africa, Asia, Europe, the Middle East, Caribbean

Professional Experience

EMRG Inc. (Specialty Finance Advisory Practice) Managing Director
(since 1994)

• Structure financial solutions for financial institutions and private clients
• Analyze banks, design curriculum & deliver bankers training seminars and workshops
• Deliver credit and investment analysis, asset valuation, training and product design
• Comply with CFA Institute® Code of Ethics and Standards of Professional Conduct

Illustrative examples of activities:

• Investment Strategist. Delivered a workshop to a pan-African foundation’s executive board on creating an investment policy statement and strategic asset allocation. FAWE.
• Senior Investment Strategist. Designed an investment fund to invest in structured agribusiness SME opportunities in Africa. The African Development Fund.
• Retained Investment Analyst. Investment analysis and due diligence on international foundations with SME credit and investment programs. The Calvert Foundation.
• Investment Fund Strategist. Designed the governance and operations structure for the Diaspora Fund, a foreign remittance investment fund to serve East Africans living overseas with highly-competent, ethically managed, investment opportunities in SME loan assets and low cost housing. With Nairobi partner practice, Vista Capital Limited.
• Bank Strategist. Conducted the World Bank feasibility study for converting the Saudi Credit Bank into a specialized niche, SME, small business and microfinance lender.
• Structured Finance. 1) Designed a supply chain/equipment finance model for middle market dairy cooperatives. Land O’Lakes. 2) Designed an investment framework, identifying Afghan investors for investing in agriculture in Afghanistan. DAI/USAID.
• Bankers Training. For largest bank in China: trained investment bankers to interpret financial statements to analyze middle market M & A opportunities. ICBC, Beijing.
• Bankers Training. Trained commercial and central bankers in Armenia and Azerbaijan in trade finance. Designed the SME Banking training course. Barents Group, KPMG.
• Financial Budget Analyst. Performed budget variance analysis on national agricultural research institutes in Cameroon and Kenya (KARI). DAI and Cargill Consulting.
• Credit Bureau Research. Analyzed and advised the marketing expansion strategy for the Credit Information Bureau of Sri Lanka. The Central Bank of Sri Lanka.
• Bank & Microfinance Program Analyst. Analyzed banks, MSME and microfinance programs in Africa,  Sri Lanka, Asia, Mongolia and Caribbean (Haiti).
• Microfinance Program Designer. Team leader responsible for design of the FINET microfinance strategy program for USAID Haiti. Currelly Associates, Porto Prince.
• Forestry Investment Research. Research monograph on global sustainable forestry investment. Forest Trends and the ITTO (International Tropical Timber Organization)

KPMG /Barents Group. Washington DC, Specialty Finance Practice Manager
(1997-1999)

• Practice focus: Consulting in credit, financial services and product development to the MSME enterprise sector. Activities of Mr. Raditz included business development, bank analysis, market research, proposal preparation, project design, model building, recruitment, managing consultants, bankers training and curriculum development.
• Designed the KPMG/ Barents Group bankers training curriculum on SME Lending, Trade Finance, and International Banking Strategy. Delivered bankers training seminars to commercial and central bankers in Armenia and Azerbaijan.
• Presented paper, “Commercializing Microfinance: The Specialty Finance Approach” at the New Development Finance Conference in Frankfurt, Germany, 1997.
• Created binomial, real option loan valuation and disposition decision model for KAMCO (Korean Asset Management Corporation) to analyze resolution of $40 billion in distressed small business loans (Asian currency crisis:1998).
  
• Devised business plan to provide 130 global KPMG offices with online facilities to support emerging markets banks to buy SME loans and in bulk from local credit originators and to securitize them in conjunction with bulk credit card receivables.

International Science and Technology Institute, Inc. Financial Management Specialist: Coffee Exporting Cooperative, Cameroon (1992-94)

• Resident Financial Advisor to the NWCA Board of Directors in privatizing major coffee marketing cooperative, North West Cooperative Association. Bamenda, Cameroon.
• Banking. Convened a commercial bank consortium to underwrite pre-export coffee credit. Structured export credit facilities in a collateralized sequence of buyer contracts, warehouse receipt collateral, export letters of credit, controlled disbursement cash management. Structured a standby letter of credit guarantee. Advised credit unions on practical methods to lend to small coffee farmers against their sales receipts collateral.
• Responsible for installing computer platforms to link 3-tiers of coffee marketing, mills and producer cooperatives. Managed teams of consultants implementing accounting systems & controls reengineering.

New Transcentury Corporation. Kaolak, Sénégal. Chief Financial Officer, CEDP (1987-88)

CFO, Community Enterprise Development Project, a micro and community banking intermediary in rural West Africa. Responsible for bank relationships, loan portfolio analysis, project accounting, treasury operations, internal controls, and training rural loan officers.

Venture Traders. New York, NY. Partner/Investment Strategist (1983-84)

Venture capital strategy alternatives for private clients. Built analytic Excel models, conducted due diligence and stress-tested financial projections. Convened meetings between clients, analysts, attorneys and venture capital investors.

Chemical Bank. World Banking Group, New York. International Banking Officer
(1982-87)

Relationship manager for financial institutions and central banks in the Middle East: Responsible for marketing bank products and service to correspondent banks, due diligence and credit analysis, recommendation of lines of credit, and presenting credit proposals to credit committee. Responsible for Lower Gulf/Pakistan country-desk profit center, profit and loss performance, and managing customer support staff. Served as banker trainer in Chemical Bank’s rotating credit officer training program. Worked within the International Financial Services to market and service technology products to banks.

Overseas Experience:

Short-term consulting engagements and long-term resident advisor positions in Africa, the Middle East, the NIS, Caribbean, the Indian subcontinent and Asia.

Languages--French (fluent); Woluf (conversational--Senegal, the Gambia, West Africa). Peace Corps Volunteer: Mauritania 1974-76 and Senegal 1976-77.

Education

• CFA®, (Chartered Financial Analyst®), CFA Institute, Charlottesville, Virginia. 1997
• Trade Finance Certification, Export-Import Bank, Washington DC.1990.
• Chemical Bank Officer Credit Training Graduate, New York. 1982.
• MA Development Banking (majoring in Project Analysis), American University, Washington, DC. 1981.
• BA English, University of North Carolina at Chapel Hill. 1968.

Professional Associations

• Member, The CFA Institute.
• International School of Kenya, Board Director, Nairobi, Board Treasurer (2006-2009).
• East African Society of Investment Professionals (EASIPS), Nairobi. Board Treasurer.
• Environmental Education Media Project (EEMP), Board Member, Washington (current).

U.S. Citizen/ Kenyan Resident (KRA Pin No. A003833806T) Kenyan professional H work permit and visa valid until Nov 2011.

References: Detailed chronology of work history and references by request.

Business Reference: EMRG Inc, Maryland. EIN 52-1997841