Summary
Overview
Work History
Education
Skills
Professional Highlights
Timeline
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JANINE M. TRACCHIA

Sarasota,Florida

Summary

Continued use of Facilitative and Business Development skills cultivated in the Mortgage Industry which would serve me well in many other industries in the future, especially with regard to Sales and Marketing. Persuasive, self-motivated leadership professional with expertise in expanding network connections. Skilled at introducing products, educating clients and implementing pricing strategies. Specializes in developing new territories and discerning customer needs to deliver solutions. Sales Representative with a solid record of consistently achieving customer retention goals through relationship building and advanced product knowledge.

Overview

48
48
years of professional experience

Work History

Sales Consultant

The Giving Tree Gallery
Sarasota, Florida
06.2021 - Current
  • Assisted customers in selecting artwork to match personal tastes.
  • Assisted customers in the selection of high-end jewelry made by various popular artists in the industry.
  • Sold Designer Lamps, Maps and Spirit Tiles and various other Unique Home Goods.
  • Provided exceptional customer service promoting repeat, loyal customers.

Sales Consultant

Michaels on the Blvd.
Sarasota, Florida
04.2017 - 06.2019
  • Managed inventory of artsy clothing and ensured accurate display in the store.
  • Provided excellent customer service and developed a very large clientele.
  • Participated in popular fashion shows in the Sarasota area.

Sales-Art Consultant

Wyland Galleries
Sarasota, Florida
09.2016 - 04.2017
  • Advised clients on art selections and acquisitions for personal collections.
  • Curated art exhibits showcasing local and national artists at gallery events.

Mortgage Loan Originator

Envoy Mortgage
02.2016 - 06.2016
  • Member of RASM
  • Member of the BIA

Licensed Mortgage Consultant NMLS#1071310

IMortgage
10.2015 - 02.2016
  • Mortgage Loan Consultant
  • Member of RASM
  • BNI
  • Women’s Council of Realtors

Licensed Mortgage Consultant NMLS#1071310

Insignia Bank
01.2015 - 08.2015
  • Sr. Residential Loan Originator
  • Member of Sarasota Area Realtor, Affiliate
  • Business Networking International Member/Leadership
  • Women’s Council of Realtors

Licensed Mortgage Consultant NMLS#1071310

Island Mortgage Services
06.2013 - 01.2015
  • Origination of a large selection of Mortgage Products
  • Member of Sarasota Area Realtors, Affiliate
  • Women’s Council of Realtors
  • Business Networking International Member

Sales Associate

Wyland Galleries
Sarasota, Florida
10.2011 - 06.2013
  • Sales of World Class Art in St. Armands Circle, Sarasota, Florida.
  • Developing ongoing relationships all over the world in an effort to establish collectors.

Sales Associate

Impressive Designs
01.2011 - 10.2011
  • Responsible for sales of Florida Wines and Home Accessories at John's Pass in Madeira Beach, Florida.

Licensed Sales Associate

Homes America
Hickory, North Carolina
07.2009 - 01.2010
  • Responsible for sales of new modular home in the Hickory, North Carolina area.
  • Company went out of business in that area.
  • Work closely with new clients in finding a location and building new Modular Homes.
  • Licensed in the state of North Carolina.

Loan Specialist

First Choice Funding
07.2008 - 02.2009
  • Responsible for establishing relationships with new clients regarding most suitable programs available.
  • Works closely with clients and representatives in originating loans, overseeing the processing, underwriting and closing thereof.
  • Instrumental in the growth of the mortgage operation which has substantially increased the net worth and image in the marketplace.

Sr. Loan Specialist

Virginia Commerce Bancorp, Inc.
01.2001 - 01.2006
  • Responsible for establishing new builder accounts including construction / acquisition / development loans.
  • Worked closely with builders and their representatives in originating loans, overseeing the processing, underwriting and closing of all loans.
  • Instrumental in the growth of the mortgage operation which has substantially increased the banks net worth and standing in the marketplace.

Sr. Account Executive

BB&T
01.1994 - 01.2001
  • Responsible for establishing new builder accounts including construction / acquisition / development loans.
  • Worked closely with builders and their representatives in originating loans, overseeing the processing, underwriting and closing of all loans.
  • A member of the Top Producers Club each year with over 50 loan officers in competition.

Sr. Account Executive

George Mason Mortgage
01.1992 - 01.1994
  • Named Top Producer in originations and closings, 1992 - 1994.
  • Highest volume in New Homes closings. Substantially contributed to the company and elevated public awareness as a leader in the marketplace.

Sr. Account Executive

Dominion Bankshares
01.1990 - 01.1992
  • Opened up a new marketplace for the bank and developed successful new builder relations during a very difficult recession with the RTC taking over most banks and Savings & Loans.

Sr. Account Executive, Builder Division

Dominion Federal Savings & Loan (Trust Bank Savings & Loan)
01.1988 - 01.1990
  • Top producer for builder account development. Specialized in sales and marketing excellence in an extremely volatile and competitive market.
  • Sold $20M in forward commitments to some of the largest builders in the Washington Metropolitan Area. Originated and closed $27M in Residential loans.
  • Top producer 1990 out of 80 loan officers.

Account Executive

Congressional Mortgage Corporation
Washington, D.C.
01.1981 - 01.1988
  • Managed several Washington, D.C. area builder accounts, originating and closing $120 Million in loans in my best year.
  • This company specialized in New Homes and doubled in gross earnings from 1981 to 1985.
  • Instrumental in successfully developing relationships with some of the areas largest Home Builders. One of four key players that successfully converted the largest apartment complex in the D.C. area into condominiums.
  • This was a three years project and we converted 4,000 units and held mass closings in a 13% interest rate environment.

Secondary Marketing Director of Investor Relations

Perpetual Savings & Loan
01.1978 - 01.1981
  • Promoted rapidly into high profile marketing position maintaining client relationships with Prudential Life, N.Y., Bank of America, N.Y., Metropolitan Life, N.Y. and Chase Manhattan Bank, who were all purchasers/investors of our residential loans.
  • Received extensive training in underwriting and secondary marketing regulations and practices.
  • This job included arranging/attending/entertainment for out of town investors and marketing events in Washington, D.C, and Miami, Florida.

Education

High School Diploma -

Altoona Area High School
Altoona, PA
06-1972

Skills

  • Customer service
  • Visual merchandising
  • Sales strategy
  • Art curation
  • High-end retail
  • Customer relationship management

Professional Highlights

  • 35 years experience in the mortgage banking industry; proficient in all areas of mortgage lending.
  • Excellent problem solving skills and expeditious execution of standard lending practices.
  • Enjoyed an exceptional reputation with real estate brokers and agents as well as builders in Hickory NC and previously the Washington, DC Metropolitan area.
  • Well versed in underwriting guidelines of FHA/VA, Conventional, and Construction lending. This position requires strong sales and marketing skills.
  • Consulted in various businesses over the previous 3 years such as New Modular Homes Sales, Natural Gas and Electric and High-End Furniture Sales and most recently with Wyland Galleries in Sarasota.

Timeline

Sales Consultant

The Giving Tree Gallery
06.2021 - Current

Sales Consultant

Michaels on the Blvd.
04.2017 - 06.2019

Sales-Art Consultant

Wyland Galleries
09.2016 - 04.2017

Mortgage Loan Originator

Envoy Mortgage
02.2016 - 06.2016

Licensed Mortgage Consultant NMLS#1071310

IMortgage
10.2015 - 02.2016

Licensed Mortgage Consultant NMLS#1071310

Insignia Bank
01.2015 - 08.2015

Licensed Mortgage Consultant NMLS#1071310

Island Mortgage Services
06.2013 - 01.2015

Sales Associate

Wyland Galleries
10.2011 - 06.2013

Sales Associate

Impressive Designs
01.2011 - 10.2011

Licensed Sales Associate

Homes America
07.2009 - 01.2010

Loan Specialist

First Choice Funding
07.2008 - 02.2009

Sr. Loan Specialist

Virginia Commerce Bancorp, Inc.
01.2001 - 01.2006

Sr. Account Executive

BB&T
01.1994 - 01.2001

Sr. Account Executive

George Mason Mortgage
01.1992 - 01.1994

Sr. Account Executive

Dominion Bankshares
01.1990 - 01.1992

Sr. Account Executive, Builder Division

Dominion Federal Savings & Loan (Trust Bank Savings & Loan)
01.1988 - 01.1990

Account Executive

Congressional Mortgage Corporation
01.1981 - 01.1988

Secondary Marketing Director of Investor Relations

Perpetual Savings & Loan
01.1978 - 01.1981

High School Diploma -

Altoona Area High School
JANINE M. TRACCHIA