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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
SHARMAN BAUM
Resume, Page 2
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