Who We Are

Cary Wingfield Raditz, CFA | Download Resume

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

• Chartered Financial Analyst (CFA®) designation. MA in Development Banking.
• International banker, financial trainer, financial analyst, strategist, microfinance analyst.
• Consulting approach is quantitative, strategic and innovative.
• 25+ years experience US, Africa, Europe, Asia, the Sub-continent, the Middle East, and Haiti.

Professional Experience

EMRG Inc. Specialty Finance Advisory Practice (SFA) President
(1994-present)

• SFA structures financial solutions for institutions and private clients.
• Complies with the CFA Institute® Code of Ethics and Standards of Professional Conduct.
• Financial analysis & training
• Credit and investment analysis
• Bank analysis & bankers training
• Valuation of companies and projects
• Product design & evaluations

Illustrative examples of activities:

• Financial Trainer. Trained investment bankers to use financial statement analysis to analyze mergers and acquisitions. For ICBC, the largest bank in China.
• Retained Analyst. Financial statement analysis and due diligence on international foundations. The Calvert Foundation, a socially responsible investment fund manager.
• Senior Investment Strategist. Designed an investment fund to invest in agribusiness enterprises in Africa. The African Development Fund.
• Financial Analyst. Performed budget variance analysis on national agricultural research institutes in Cameroon and Kenya (KARI). Cargill Consulting.
• Investment Research. Global sustainable forestry investment. For Forest Trends and the ITTO (International Tropical Timber Organization)
• Fund Designer. Designed the governance and operating structure for the Diaspora Fund, a foreign remittance investment fund to serve East Africans living overseas with investment opportunities in trade receivables and low income housing bonds. With Nairobi partner practice, Vista Capital Limited.
• Structured Finance. Designed a credit/ equipment leasing model for African dairy cooperatives. Land O'Lakes.
• Bank Analyst. Conducted a feasibility study for converting the Saudi Credit Bank into a specialized niche, small business lender. World Bank.
• Bank & Microfinance Analyst. Analyzed banks, SME and microfinance programs in Africa, Asia, and Haiti.
• Financial Research. Advised on marketing expansion plans for the Credit Information Bureau of Sri Lanka. The Central Bank of Sri Lanka.
• Program Design. As team leader, designed the FINET microfinance strategy program for USAID Haiti.

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

• Principal practice focus: microfinance, credit and financial services to SMEs--the small and medium enterprise sector. Activities of Mr. Raditz included market research, business development, proposal preparation, project design, recruitment, bankers training and curriculum development.
• Created a valuation-based loan disposition decision model for the Korean Asset Management Corporation to resolve $40 billion in distressed small business loans (1998).
• Wrote the Barents Group training curriculum on SME Lending for banks, and revised Trade Finance, and International Banking Strategy.
• Delivered bankers training seminars to commercial and central bankers in Armenia and Azerbaijan.
• Presenter at the New Development Finance Conference in Frankfurt, Germany, 1997. Topic: Commercializing Microfinance: the Specialty Finance Approach.
• Devised business plan to provide 130 global KPMG offices with technology solutions to enable emerging markets banks to buy bulk loan receivables from other credit originators.

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

• Resident advisor to the Board of Directors in privatizing major coffee marketing exporter, NWCA, Northwest Cameroon.
• Managed a consultant team to reengineer accounting systems & controls. Installed computer platforms to link NWCA's 3-tiers of central marketing, mills and coffee-producer cooperatives.
• Banking. Convened a commercial bank consortium to underwrite pre-export 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.

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

CFO for CEDP, a microfinance and community banking intermediary in rural West Africa. Responsible for project accounting, loan portfolio analysis, internal controls, treasury operations, bank relationships, and training rural community enterprise loan officers.

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

Offered venture capital strategy plans to private clients. Built analytic 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 to financial institutions in the Middle East: Responsible for lines of credit, due diligence and credit analysis, presenting loan proposals to credit committee, marketing banking services to correspondent banks. Responsible for country desk profit center, profit and loss, and managing customer support staff. Accountable for responsibility for the Banker trainer in Chemical Bank's credit training program.

Overseas Experience:

Consulting and long-term resident advisor positions in Africa, the Middle East, the NIS, the Indian subcontinent and Asia. Languages—French (fluent); conversational in Woluf (W Africa)

Education

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

Professional Associations

• The CFA Institute (formerly the Association for Investment Management and Research)
• The Washington Society of Investment Analysts (WSIA)
• Recently applied for membership to The American Chamber of Commerce, Nairobi

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

U.S. Citizen.