Summary
Overview
Work History
Education
Skills
Timeline
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Keshabi Baral

Mechanicsburg,PA

Summary

With a proven track record at Caplend Mortgage INC, I excel in financial analysis and interpersonal communication, driving growth and client satisfaction. Expert in FHA and VA loans, I've significantly enhanced loan service quality by leveraging income verification techniques and fostering key real estate partnerships, embodying a confident approach to financial strategy and compliance.

Overview

8
8
years of professional experience

Work History

Senior Mortgage Loan Officer

Caplend Mortgage INC
Harrisburg, PA
09.2023 - Current
  • Developed and recommended personal or commercial loan packages for clients.
  • Prepared and reviewed loan agreements to ensure accuracy and completeness.
  • Established and nurtured relationships with real estate agents and other industry professionals.
  • Analyzed financial information and credit reports of potential borrowers to determine eligibility for mortgage loans.
  • Addressed and resolved applicant and borrower queries throughout the loan cycle.
  • Developed and maintained relationships with clients to ensure customer satisfaction with loan services.
  • Collected and verified financial information from applicants.

Mortgage Loan Officer

Hamro Lending Group
Pittsburgh, PA
11.2022 - 08.2023
  • Analyzed new markets and developed referral networks to locate new loan prospects.
  • Assessed customer financial status and credit worthiness to determine eligibility for mortgage loans.
  • Analyzed applicant financial and credit status, evaluating assets and risk to determine loan feasibility.
  • Set up debt payment plans based on client credit, income and assets.
  • Educated customers regarding actions and strategies for debt repayment.
  • Evaluated and approved loan applications based on established criteria.
  • Identified lending risks and implemented strategies to reduce loan defaults.
  • Coordinated with underwriters for loan approval and final decision-making.

Chief Financial Officer

Candid Home Care INC
Harrisburg, PA
01.2022 - 10.2022
  • Analyzed business trends and provided forecasts to senior management team for decision making purposes.
  • Ensured compliance with federal, state and local laws regarding taxation and reporting requirements.
  • Developed and implemented financial strategies to drive growth, improve profitability, and maximize long-term value.
  • Advocated for changes in legislation that would benefit the organization financially.
  • Created and implemented best practices to standardize internal processes and procedures.
  • Analyzed business operations, trends, costs, revenues, financial commitments and obligations to project future revenues and expenses.
  • Developed plans to standardize and facilitate organizational asset management.
  • Sourced, installed and implemented new accounting systems to streamline operations.
  • Signed and approved budgets for new funding and program initiatives.

Administrative Assistant

Everest Finiancial Services
Richmond, VA
01.2017 - 12.2020
  • Compiled data from various sources into organized reports for review by management team.
  • Answered phone calls and emails to provide information, resulting in effective business correspondence.
  • Processed invoices for payment using accounting software applications.
  • Coordinated catering services for various functions, including sales trainings and department meetings.
  • Developed and implemented filing systems, both digital and physical, improving document organization and retrieval efficiency.
  • Coordinated and scheduled meetings, including room reservations, catering, and technical setup, for seamless execution.
  • Handled confidential documents in an organized fashion according to established protocol.

Education

Bachelor of Science - Finance

Virginia Commonwealth University
Richmond, VA
12-2020

Skills

  • Income verification techniques
  • Strong Financial Analytical Skills
  • Refinancing strategies
  • Closing coordination experience
  • Skilled in Credit Risk Assessment
  • Regulatory Adherence
  • Loan origination expertise
  • Communication and interpersonal skills
  • Real estate market awareness
  • Documentation verification
  • Employment history analysis

Timeline

Senior Mortgage Loan Officer

Caplend Mortgage INC
09.2023 - Current

Mortgage Loan Officer

Hamro Lending Group
11.2022 - 08.2023

Chief Financial Officer

Candid Home Care INC
01.2022 - 10.2022

Administrative Assistant

Everest Finiancial Services
01.2017 - 12.2020

Bachelor of Science - Finance

Virginia Commonwealth University

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Keshabi Baral