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Ralph Kramer is an experienced banking professional with over three decades in credit and loan management. Currently serving as EVP and Chief Credit Officer at Southwestern National Bank since February 2021, Ralph has held significant leadership roles such as SVP and Chief Credit Officer at TransPecos Banks and SVP and Senior Credit Officer at Icon Bank of Texas. Ralph's extensive background includes overseeing loan requests primarily in Commercial Real Estate, managing production teams, and developing loan policies across various organizations. Ralph's career began with auditing and regulatory oversight at Bayshore National Bank and the Office of the Comptroller of the Currency, complemented by a degree in Economics from Texas A&M University.