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Foster Kelly has a diverse work experience starting in 2011 as an intern at Mortgage Harmony Corporation, where they maintained a complex filing system and handled phone calls and mail. In 2013, Foster worked as a Sales Associate at Fastenal, where they were responsible for various operational duties, customer inquiry calls, inventory control, and site monitoring. In 2014, Foster became a Home Loan Specialist at Churchill Mortgage Corporation, assisting clients with their home loan needs until 2017. Since 2017, Foster has been working as the Director of Business Development and Sales at FINOFR, focused on revolutionizing the lending industry by providing a seamless and intuitive digital lending platform. Additionally, Foster has entrepreneurial experience, having founded and served as CEO of Green Turtle Lawn Care from 2007 to 2012, overseeing daily operations, employee management, and landscape maintenance and design.

Foster Kelly attended the University of Mary Washington from 2010 to 2014, where they earned a Bachelor of Science (B.S.) degree in Business, Management, Marketing, and Related Support Services. During the same time period, they also obtained a Bachelor's Degree in Business Administration, Management, and Marketing from the University of Mary Washington. In July 2014, Foster Kelly obtained a certification as a Licensed Loan Officer in 7 states from NMLS.