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Ralph Carter's work experience includes various roles in different organizations. Ralph started their career as a District Executive at Boy Scouts of America, Yocona Area Council in 1999. Ralph then worked as a Capital Campaign Coordinator at Yocona Area Council, B.S.A. from 2001 to 2002. Following that, they served as the Director for University Advancement at Magnolia Bible College from 2002 to 2003. Ralph then worked as a sales assistant at Financial Concepts from 2003 to 2004. Ralph also worked as a Financial Services Specialist at AmSouth Bank from 2004 to 2007.

From 2007 to 2023, they had various roles at BankFirst Financial Services, starting as a Vice President, Fair Lending and CRA Officer. Ralph then progressed to become the Vice President, Director of CDFI, Fair Lending, and CRA, and finally held the position of Senior Vice President, Director of CDFI and Fair Lending Officer. Ralph was responsible for overseeing CDFI programs and fair and responsible banking oversight at the company.

Lastly, they served as an Affiliate Director at Destination ImagiNation, Inc. from 2003 to 2013.+

Ralph Carter has a diverse education history. In 1995, they obtained a Bachelor of Business Administration (BBA) degree with a focus on Marketing from Freed-Hardeman University. From 2010 to 2012, they attended the Mississippi School of Banking, where they studied Banking. In 2020, Ralph enrolled at Tuscan Club University, completing a program in Fair Lending and earning a degree in Fair Lending Expert. In 2021, they continued their education at the same university, specializing in Fair Lending. Additionally, in 2023, they attended CRA Today, obtaining a degree in Community Reinvestment.