Mr. Togrul joined the firm in 1998. He is responsible for analysis of interest rate risk and margin management, economic and interest rate forecasting, financial management and controls, EVE analyses, and budgeting for clients served by the firm’s Financial Management Division. Prior to joining Austin Associates, he served in financial management roles in the community banking industry. He earned a bachelor’s degree in business administration from The University of Toledo and earned a master’s degree in business administration from Tiffin University. In addition, Mr. Togrul is a graduate of several specialized banking schools in the Midwest.