Excel Automation for Loans and Savings

I need an Excel automation system for managing a savings and loan group of 5 members.

Key Requirements:
- Automatic updates on Excel when payments are made and interest rates are paid out.
- Automatic calculation of:
- Dividends from interest
- Late payment fees
- SMS alerts for payment reminders.
- Specific formatting is required (further details will be provided).

Ideal Skills and Experience:
- Proficiency in Excel automation (e.g., using macros or Power Automate).
- Experience with SMS notification systems.
- Strong understanding of financial calculations and Excel formulas.
- Attention to detail for specific formatting requests.