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Ralph Lober has a diverse work experience, with roles in various organizations. Ralph started their career as an Audit Manager at SR Snodgrass, AC in 1995 and worked there until 1999. Ralph then joined Morgan Bank as a CFO and remained in that role from 1999 to 2007. In 2007, they became the President and CEO of Consumers National Bank. Ralph Lober also served as a Board Member for Habitat for Humanity ECO, Alliance Area Development Foundation, Community Bankers Association of Ohio, and Junior Achievement of East Central Ohio.

Ralph Lober completed their education from various institutions throughout their career. Ralph started by earning a Bachelor of Science in Business Administration (B.S.B.A.) in Economics and Finance from Duquesne University from 1985 to 1989. Subsequently, they pursued their Master of Business Administration (MBA) degree in Accounting from the same institution, completing it in 1990.

Later, Ralph enrolled in the Graduate School of Banking at the University of Wisconsin, Madison, where they obtained a Certificate in Banking between 2004 and 2006. Apart from their academic achievements, Ralph Lober also possesses a certification as a Certified Public Accountant (CPA) in Pennsylvania and Ohio, however, specific information regarding the date of certification acquisition is not available.