Vincent L. Coniglio, President

Started his real estate career on Wall Street in the mid 1960's with E.F. Hutton, then with a merchant bank (Dura Associates) as Vice President of the New Ventures division handling international finance and real estate development. In the 1970's, he moved to California as Vice President of First Financial Mortgage Servicing Corporation in the builder subdivision department. He then went on to another national mortgage banker, Champion Mortgage Companies as Vice President of the corporation. He was later promoted to President, a position he held for 14 years. He was also a guest speaker at various mortgage industry conventions several times a year for ten years. In the early 1990's, he was brought into the RTC via contract as a lead asset auditor and senior underwriter for supervised institutions.

The Resolution Trust Company was set up by the U. S. Government to audit, close, and take to market any recoverable assets from all savings and loans. More than 3,500 S&L's were shut down permanently.

In early 2000, 360 Enhancers Company was established, with Mr. Coniglio as President. This mortgage banking firm was heavily involved in industry research and the design of "fee based, closed-end, industry specific, regulatory neutral income streams" for clients. Over the last 8 years the firm evolved into a corporation and where it is today.

As a young man on Wall Street, Mr. Coniglio had a very close friend and mentor who guided his education and career. Mr. Patrick B. McGinnis, a partner to Lord M. Keynes (the Keynesian system of economics) both of whom came here from England, and together they charted the course to pull the U. S. out of the 1929 depression.

Education:
Bernard M. Baruch, NYC  -  Business/Management/Banking
N. Y. Creditmens Institute, NYC  -  Factoring/International Finance
The New School for Social Research, NYC  -  Mergers and Acquisitions
UCSD, San Diego  -  Real Estate Economics

Frederick M. Maruca, Vice President

Started his real estate career on Wall Street at E.F. Hutton in the early 1970's. In the early 1980's he made a location change to, and a position jump for a national mortgage banker in San Diego as a senior underwriter for new residential tracts and commercial construction loans as well as for their end loans.

He then went under contract for 10 years as a senior underwriter and auditor for Bear Stearns, Merrill Lynch, Citicorp, Bank of America, Wells Fargo, and Imperial Bank.

In the early 1990's he was hired through contract with the RTC (U. S. Government's Resolution Trust Company) and FHLB as an asset auditor and lead underwriter for supervised institutions.

RTC audits shut down permanently over 3,500 savings and loans in the 1990's.

The last decade, before joining 360 Enhancers Corporation, has been spent in management and as a senior underwriter for Wells Fargo, Silver State Mortgage, and Provident Bank.

He has the ability to analyze complex work-outs of major income streams and credit structures both on and off shore.

Education:
Bernard M. Baruch, NYC  -  Business/Management
UCSD, CA  -  Real Estate Economics/Finance/Appraisal

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