El Mehdi Naffaa

Valuation Consultant

Hello Value Buddy • Freelance

Dec 2024 - Present • 1 yr 5 mos

I specialize in preparing bank-ready business valuations for SBA loan approval and lender underwriting. My work focuses on producing clear, defensible valuation reports that meet the expectations of banks, credit committees, and SBA reviewers. I support lenders, borrowers, and advisors with: - SBA-compliant business valuations (acquisitions, partner buyouts, refinancing) - Valuations aligned with SBA SOP requirements and lender risk frameworks - Normalized financial analysis (cash flow, discretionary expenses, adjustments) - Multiple valuation approaches (Income, Market, SDE/EBITDA multiples) - Clear valuation narratives suitable for credit memos and loan files My approach combines technical rigor, bank logic, and practical judgment, ensuring valuations are not only theoretically sound but also approved in real underwriting environments. Experienced with founder-led SMEs, service businesses, and cash-flow-driven companies commonly financed through SBA programs.

Senior Financial analyst

AnalytIQ • Freelance

Mar 2024 - Dec 2024 • 9 mos

Senior Financial Analyst at AnalytIQ, specializing in advanced financial modeling, valuation, and decision-support analysis for growing companies, investors, and advisory teams. I work at the intersection of data, strategy, and finance, translating complex financial information into clear, actionable insights. Core areas of expertise include: - End-to-end financial models (3-statement, forecasting, scenario & sensitivity analysis) - Business valuation and investment analysis - KPI design, performance tracking, and variance analysis - Strategic planning and capital allocation support - Investor-grade reporting and executive-level dashboards My role focuses on accuracy, structure, and clarity, ensuring that financial outputs support high-stakes decisions such as fundraising, acquisitions, and growth planning. I am accustomed to working in fast-paced environments where precision, ownership, and sound judgment are critical.