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Ade Kasereka B. Vickya, Founder of KMB
Associate of the London Institute of Banking and Finance
Financial Modeling and Valauation Analyst
Commercial Banking and Credit Analyst
I combine years of Banking & Finance academic studies, professional development, practical skills and knowledge in financial modeling and valuation analysis, commercial banking and credit analysis, and bsuiness intelligence and data analysis with my interest in commercial, SME, and consummer lending, with particular focus on microfinance (credit union & micro-credit).
The combination of these elements allows me to help with:
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Developing strategic and operational plans along with financial projections for both a credit union and a micro-credit institution.
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Determining loan security, covenatnts, and pricing.
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Conducting loan appraisal, approval, and monitoring.
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Conducting credit and financial analyses for a company
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Performing business valuations (Comps & DCF).
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Using Excel, PowerQuery, PowerPivot, PowerBI, Tableau, and SQL to perform: data transformation, model, analysis, and visualisation.
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Making reports and recommendations.
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Building with Excel the following models:
Welcome to KMB
Visual representation of the financial projections of the KMB Microfinance project along with alternative scenarios
Projects to be undertaken
- KMB Microfinance (MFI)
- KMB Credit union
- KMB Foundation
Case studies to be undertaken
- TESCO Financial analysis & valuations
- SAINSBURY'S Financial analysis & valuations
- BARCLAYS Financial analysis
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Purpose
This KMB microfinance project seeks to support the development of the Congolese community in the UK by empowering its members with access to affordable financial services.
Market research
Survey conducted to a segment of 500 community members; 300 responded positively about the project.
Our potential demands:300
Off the 300 respondents, 150 contributed regularly with three different types of a set amount in a pilot test.
Our market demand: 150.
Funding requirements & Projections
Funding portfolio: £45,000
Own funds as percentage of portfolio:11%
Borrowed funds as percentage of portfolio:22%
Grants funding as percentage of portfolio:67%
Projected Financial Metrics
- Fianacial model
- Debt model
- Covenant model
- Rsik Rating model
- Budget model
- DCF model
- Comp model
- LBO & M&A models
Throughout the pilot test period, the percentage of those who have converted from potential to actually participated in the program was 50%, but off these new participants, 4% of them were regularly committed.
Therefore, it revealed their satisfaction with the project as they need short-term loan products. KMB has been created to respond to this demand for shot term loan products.