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Rob Graham's work experience includes positions at Farmers & Merchants State Bank, SunTrust Bank, and KeyBank. Rob started working at KeyBank in 1998 as an Assistant Vice President and remained in that role until 2005. From 2005 to 2009, they worked at SunTrust Bank as a First Vice President. In 2009, they joined Farmers & Merchants State Bank as a Senior Vice President, and their employment there is ongoing.

Rob Graham has a Bachelor of Arts (BA) degree in Accounting from Cedarville University, which they obtained from 1990 to 1994. Rob later pursued a Master of Business Administration (MBA) degree in Finance from The University of Toledo, which they completed from 1995 to 1998.