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The principals of the Kohl Advisory Group together
have over 80 years experience in measuring, analyzing and explaining
risk and profitability levels of lending and deposit products
as well as balance sheet positions overall. Background and experience
include the development of product profitability and ALM software,
consultative assistance in managing balance sheet risk, assessment
of product cost and profitability, and facilitating strategic
planning processes. |
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 Michael
J. Kohl, President & CEO
Michael Kohl is President & CEO
of the Kohl Advisory Group, which
provides Assessment Services, Consultative Assistance and Workshops
to credit unions in product cost and profitability management.
The firm promotes improvement in bottom line performance through
balanced "product financial contribution" and the use
of advanced analytical methodologies such as Activity-Based Costing
(ABC).
Previously, as President/COO of Myers-Kohl Corporation (now C.
Myers), Mr. Kohl conducted over 200 ALM seminars and interest
rate risk evaluations. Throughout the 1980’s, as one of the
original founders of Sendero Corporation and its Executive Vice
President, he was responsible for overseeing the design of Sendero’s
extensive line of ALM and profit planning models.
Mr. Kohl holds an MBA from Arizona State University and an undergraduate
degree in Business with emphasis in Quantitative Analysis from
the University of ND. A frequent speaker for trade organizations,
Mr. Kohl has been published in various industry periodicals and
has authored a booklet on Activity-Based Costing, entitled Improving
Financial Performance with Activity-Based Costing and Product
Profitability Management.
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 Gary
B. Kiser, Senior Managing Consultant
Gary Kiser is Senior Managing Consultant
in charge of development for the software tools used by the Kohl
Advisory Group in assessing product cost and profitability of
clients. Prior to joining the Kohl Advisory Group, Mr. Kiser was
Vice President in charge of development for Myers-Kohl Corporation,
and, along with Mr. Kohl, was one of the original founders of
Sendero Corporation. While at Sendero, he served in various capacities
including Senior Vice President in charge of Development.
Mr. Kiser holds an MBA from Arizona State University and an undergraduate
degree in Engineering from Clemson.
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 Thomas
G. Pagano, Senior Managing Consultant
Thomas Pagano is Senior Managing Consultant
in charge of product cost and profitability assessments. Previously,
Mr. Pagano managed Client Services at Myers-Kohl Corporation and,
earlier, performed a similar function as Senior Vice President,
Customer Support, for Sendero Corporation. Prior to Sendero, Mr.
Pagano was a senior officer at a New England based bank holding
company where he gained extensive experience in investment management,
strategic planning, financial institution cost accounting and
ALM.
Mr. Pagano holds an MBA from City University of New York and an
undergraduate degree in Economics from New York University. He
has been published in various industry periodicals, including
two recent articles in Credit Union Management Magazine on Activity-Based
Costing and Product Profitability Management.
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List of Speaking Engagements
(By Michael J. Kohl, President & CEO, The Kohl Advisory Group)
Arizona CFO Council: "Improve Profitability: Get to Know Your Products!"
Phoenix, AZ, April 2011
CUNA CFO Council Conference: "Wake Up and Smell the Money"
Las Vegas, NV, May 2009
CU Conference's Annual Credit Union Services and Products Forum: "Understanding the Financial Contributions of Your Products"
Memphis, TN, September 19, 2008
Want to Save Money? It's as Easy as "ABC"
Webinar on Activity-Based Costing on controling costs conducted for FCUL Service Group
May 7, 2008
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Partial List of Recent
Publications
"Strategizing Product Profitability in Credit Unions"
By Michael J. Kohl, President/CEO, Kohl Advisory Group
Articles published by Credit Union Management Magazine, July 2009 - Directors’ perspective vs. Management perspective
2010 Product Cost Summary ($175)
By Michael J. Kohl, President & CEO, The
Kohl Advisory Group
Book published by the Kohl Advisory Group that presents and
explains over 50 product cost charts and supporting schedules
that address 19 commonly offered balance sheet products (13 classifications
of loans and 6 types of shares for 12 credit unions ranging in
size from $300 million to $1.4 billion in assets)
(for more information)
How to Assess Product Profitability
By Michael J. Kohl, President & CEO, The
Kohl Advisory Group
WHITE PAPER published by the Financial Managers Society in 2007
(for more information)
ABC Earnings Enhancement Process
By Michael J. Kohl, President & CEO, The
Kohl Advisory Group
A 27-page "conceptual overview," published by the Kohl
Advisory Group, July 2006. This highly informative document provides
actionable answers to the often asked question..."Once we
have determined the cost and financial contribution of our various
balance sheet products, exactly how can we use these insights
to improve overall earnings and ROA?"
(for more information)
"Letting Loose" and “Release
the Pressure”
By Michael J. Kohl, President and Robert
H. Hapip, Senior Vice President, The Kohl Advisory Group
Articles published by Credit Union Management Magazine, September
2004, on Overcoming the Squeeze on Earnings by Understanding and
Managing the Financial Performance of Your Products, and November
2004, on Understanding and Managing Your Products to Strengthen
Your Credit Union’s Earnings.
(Copy available upon request)
“Learn the ABC Basics” and “Add On to the ABC Basics”
By Michael J. Kohl, President, and Thomas
G. Pagano, Senior Managing Consultant, The Kohl Advisory Group
Two-part article published by Credit Union Management Magazine,
September and October 2000
(Copy available upon request)
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