Stephen F. Kruse

**** ********** ****

Grosse Pointe Woods, MI 48236 313-***-****

skfibonacci@gmail.com

United Wholesale Mortgage, Operations-Gov’t Insuring Pontiac, MI 2019-2022

Reporting to the Team Leader, I was responsible for document review and data entry in to both the VA and FHA websites. Commitment was 30 loans/days and goal was to make sure the loan was insured and the Mortgage Insurance Certificate was generated and uploaded to the file.

FX Trader, Maverick FX, Partner Global FX Trading, Grosse Pointe Woods, MI 2015-2019

I was responsible for proprietary foreign exchange trading using both fundamental and technical analysis. This position is a capital sharing arrangement where I have contributed funds with Maverick Trading and they match the funds. I then am responsible for producing trading revenue in the FX markets buying and selling 28 different currency pairs. I also have a company in the name of Pointe 618 Capital, LLC that has been created to be the name of my trading company. Fixed Income Trader, Capital Markets, Comerica Securities, Detroit MI 2006-2014

Reporting to the Fixed Income Manager, I was responsible for trading and analysis of various fixed income products. My specialty was Mortgage Backed Securities with emphasis on Agency CMO’s including supports, PAC’s and Inverse structures. The MBS component was consistently the top revenue-producing product in the taxable fixed income space.

Financial Consultant, Institutional Sales; Comerica Securities, Detroit MI- February 2004 to 2006:

Reporting to the National Sales Manager, my main responsibilities include the sale of fixed income products to corporations, municipalities, insurance companies and high net worth individuals. Additional emphasis placed on cross-selling separately managed accounts and insurance products to high net worth individuals.

Financial Executive; Citicorp Investment Services, Walnut Creek, CA- April 2003- January 2004: Reporting to the Regional Sales Manager, I was responsible for building a book of business from a retail location to include middle market companies and high net worth individuals. The main products were municipal bonds and managed equity accounts.

Vice President Institutional Sales-Fixed Income; Redwood Securities Group, Inc., San Francisco, CA. June 2002 to March 2003: Responsibilities included sales, trading and marketing to national accounts, sales of long and short-term taxable and non- taxable debt issues including new issue investment grade municipal and agency notes, and bonds. The Shemano Group,

(formerly Interfirst Capital) from Nov 2000 to June 2002. Vice President, International Wine Brokerage and Sales, Jacob Gerhardt, USA, Inc. 2001: Reported to the Senior Vice President and Regional Sales Manager of this international wine Brokerage Company. Responsible for the direct marketing of premium, limited production, hand-crafted wines to private individuals and corporate clients. Developed a broad base of accounts and expanded sales production.

Vice President, Institutional Brokerage & Sales – Wells Fargo Brokerage Services, LLC. San Francisco, CA – 2000:Reported to the Senior Vice President, Regional Sales Manager of this nationwide broker-dealer subsidiary of an industry leading financial services company. Responsible for marketing fixed income securities to the bank’s customers through internal and external channels into an expanding marketplace. Vice President, Institutional Brokerage & Sales – Las Vegas, NV – 1999 to 2000:Reporting to the Senior Vice President, Regional Sales Manager, my responsibilities included marketing fixed income securities to the bank’s customers and expanding the customer base in the states of Nevada and Utah. Vice President and Regional Sales Manager, and Institutional Brokerage Sales – Las Vegas, NV –1998 to 1999:Reporting to the Vice President, Private Client Services Regional Manager and the Vice President, Sales Manager, responsible for managing six Retail Brokers, expanding production, recruiting new brokers, while continuing to produce my institutional investment sales as an individual contributor in both Nevada and Utah. Vice President, Institutional Brokerage

& Sales – Las Vegas, NV – Wells Fargo Brokerage Services LLC/ First Interstate Bank (Prior to 1996). 1993 to 1998 Reporting to the Vice President, Sales Manager, my responsibilities included marketing fixed income investment products to the Nevada and Utah markets, and expanding sales in largely untapped markets.

EDUCATION

Postgraduate Coursework in Psychology, Adams State College, Alamosa, CO B.S. in Finance,

Indiana University, Bloomington, IN