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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 financial institutions 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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 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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| Partial
List of Speaking Engagements
(By Michael J. Kohl, President & CEO, The Kohl Advisory Group)
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 control costs conducted for FCUL Service Group
May 7, 2008
Understanding the Financial Performance of Retail Lending Products
Webinar on managing retail products conducted for the Financial Managers Society
October 24, 2007
Optimize Earnings! Understand and Manage Financial Performance of Your Products
Webinar on managing balance sheet products conducted for FCUL Services Group
September 12, 2007
FCUL Services Group – Seminars
“An Often Overlooked Area of Opportunity… Product Profitability Management”
Tampa and Palm Springs, FL, October 24 and 26, 2007
CUNA CFO Council 2006 Annual Conference: “Your Wake Up Call on Product Profitability”
Palm Springs, CA, May 2006
CUNA CFO Council Conferences and Roundtables: “Improving Overall Earnings and ROA”
Dallas, TX, August 2005 / San Francisco, CA, September 2005 / Tampa, FL, October 2005
FHLBank San Francisco’s “Making a Pitch for Mortgages”: “Hitting a Home Run – Rewards of Mortgage Assets”
San Diego, CA, June 2005
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Partial List of Recent
Publications
2008 Product Cost Summary ($165)
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 20 credit unions ranging in
size from $50 to $1.1 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)
"Wake Up and Smell the Money”
By Michael J. Kohl, President &
CEO, The Kohl Advisory Group
Articles published in Credit Union Business Magazine, July 2006,
that underscores the significant opportunities for credit unions
to strengthen earnings by proactively managing the marginal contribution
of their lending products and the direct cost of funds of their
deposit products.
(Copy available upon request)
"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)
Improving Financial Performance with Activity-Based
Costing and Product Profitability Management
By Michael J. Kohl, President & CEO, Kohl
Advisory Group
Booklet published by the Kohl Advisory Group, December 1999
(Copy available upon request)
“Indirect Returns”
By Michael J. Kohl, President & CEO, Kohl
Advisory Group and Rita Bostick
Article on Indirect Lending published by Credit Union Management
Magazine, May 1999
(Copy available upon request)
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