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What a pain-in-the-neck (or other parts of the anatomy) to have to do this!
Are you saying that Excel cannot search for text, even in a formula?!
Your "pain-in-the-neck" is why most of us use a financial program for financial matters. Especially ones that pay/post these types of things automatically, no matter what the schedule.
Well worth the money to pay a developer for doing the "pain-in-the-neck" stuff!
Save the spreadsheet for whatever they are good for, if you can find one!
But, you could probably download Text Wrangler, a free and extremely powerful text processor and use its search functions. That and a few AppleScripts could probably also make the correct tab open for you.
What it sounds like you are doing is a perfect use for a database, also. And all those, that I know about, will have extremely good search functions built in.
Of course, they will usually cost more than Quicken...