Sharman Baum

Houston, TX 281-701-7795 Sharman.Baum@hotmail.com

Secondary Marketing Analyst & Lock Desk Manager

A Recognized Expert in Finance, Experienced in All Aspects of Mortgage Related Asset Investments

Dedicated, knowledgeable Secondary Marketing Manager and Lock Desk Analyst with 35+ years of
combined experience in the field of lending and finance. Strong experience in mortgage-backed
securities including reviewing and verifying price quotes and lock requests, lock extensions, re-locks,
rate renegotiations, and change requests. Adept at interacting with originators and processors,
evaluating concession requests, and monitoring the validity and accuracy of pricing engines.

CORE COMPETENCIES
Business Analysis Market Analysis Data Analysis Financial Analysis Credit Analysis
Secondary Mortgage Marketing Rate Lock Processes Credit Policies Closed Investor Loans
GNMA Securitization Compass Analytics Encompass GMEP Ginnie Net Thompson Reuters
Portfolio Management Loan Origination Mortgage Lending Banking Risk Management
Interdepartmental Coordination Pricing & Shipping Support Efficient Communication

EXPERIENCES AND ACHIEVEMENTS

ALLQUEST HOME MORTGAGE ALLIED HOME MORTGAGE, Houston, Texas
2006 2015
A boutique investor of closed residential mortgage loans.
Assistant Manager, Secondary Marketing
Executed all functions related to Government National Mortgage Association (GNMA) Securitization
using Compass Analytics, Encompass, GMEP, Ginnie Net, and Thompson Reuters. Produced daily rate
sheets and processed locks with Optimal Blue and Encompass. Supervised five lock specialists.
Resolved issues with the Underwriting, Closing, Funding, and Shipping departments, as well as with
investors and secondary conduits.
MALONE MORTGAGE COMPANY, Dallas, Texas
1990 2005
An originator, underwriter, and servicer of multifamily FHA loans nationwide for new construction,
acquisition, and the refinancing of existing facilities.
Vice President, Facilities Management (2001 2005)
Oversaw closing of Single Family Division and sale of Single Family Portfolio.
Slashed archive expenses by 50%.
Commercial Escrow Officer (2003 2005)
Conducted annual analysis of mortgage payments using Excel. Coordinated tax and insurance
analysis/remittance. Reconciled monthly GNMA reports.
Vice President, Secondary Marketing (1990 2001)
Managed product mix, rates, pricing, and Secondary Conduits. Negotiated/delivered GNMA pools and
closed investor loans.
Increased business growth 2,400% from $8M to $200M in 8 years.
FMGC, INC., Texas & Arizona
1980 1990
A full-service regional lender and provider of mortgage solutions to clients of varying incomes and
credit types.
Regional Manager, Dallas (1986 1990)
Supervised origination of loans for General Homes clients. Designated Direct Endorsement Underwriter.
Stabilized operations service in the volatile Dallas Region.
Regional Manager, Phoenix (1984 1986)
Headed the opening of a new market. Designed and implemented a training program for associates
that produced two successful Branch Managers. Established mutually beneficial relations with builders.

SHARMAN BAUM

Resume, Page 2

Branch Manager, Houston (1980 1984)

Developed a comprehensive understanding of mortgage origination. Promoted to Branch Manager
within a year.

Posted record number of applications, approvals, and shortest processing times in 1983.
Previous experience includes Merchandise Manager for JCPenney locations in Cleveland, OH and
Pittsburgh, PA.

EDUCATION
Bachelor of Science, Consumer Studies & Man-Environment Relations, Penn State University,
University Park, PA