MICHAEL F. LAGO

1042 J. Nakpil Street, Malate, Metro Manila
Telephone 525-0751 Fax 525-0751
Email mlago@aim.edu.ph (until April 1999), mikelago@hotmail.com

BACKGROUND SUMMARY

Capable of excelling in any task.  Wide exposure and achievements 
in Finance, Marketing, Human Resource Management and Operations.  A superb 
communicator having exceptional analytical skills and remarkable 
leadership qualities.

EDUCATION

Asian Institute of Management, Manila, Philippines, 1997- 1999
Candidate for the degree of Master in Business Management. Major in Finance

De la Salle University, 1988-1991
Bachelor of Science in Commerce Major in Business Management

PROFESSIONAL EXPERIENCE

 Siemens, Inc., 1998-1999
Consultant
Organizing the company's re-entry strategy into the call center market.

Zuellig Pharma Corporation, 1998
Consultant
Evaluated and improved the reconciliation processes in the company's 
credit department.  Formulated a detailed action plan to reduce the 
reconciliation time from more than 1 year to less than 5 days.

Felza Holdings,1995-1997
Manager
Headed the management of a lending and retail business.  Supervised the 
financial operations of the business.  Improved the profitability of the 
lending operations.  Revised and improved the lending policies.  Optimized 
the asset and liability utilization.  Successful in establishing a lending 
venture.  Increased retail sales.  Streamlined the product mix.  Optimized 
retail operations.   Spearheaded the expansion of the retail business.

Union Bank of the Philippines, 1992-1995
Junior Account Officer
Mastered the art of account management.  Proficient in most bank 
dealings.  Adept in all the aspect of the account process from packaging 
to credit line establishment.  Achieved a strong background in the 
over-all bank operations.

OTHER INFORMATION

 Founded the Coffee Club in the Asian Institute of Management in 
1998.