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Raphael Baker has extensive experience in the banking industry, with their most recent position being at United Community Bank as Vice President and SBA Workout Officer. In this role, they are responsible for formulating workout plans, proposing restructuring strategies, and communicating with legal counsel. Prior to this, they worked at BankUnited Small Business Finance as a Servicing Portfolio Manager and Vice President, where they performed financial reviews, conducted analyses on loans, and prepared credit memos. Raphael also has experience at PNC as an SBA Portfolio Management Underwriter and Underwriter, where they made decisions on loan requests and provided support to business bankers. Raphael began their career at First National Bank & Trust as an Administrator and Loan Review Analyst, where they reviewed loan applications, evaluated documentation, and performed financial analyses.

Raphael Baker obtained a Bachelor's degree in Finance, General from Ball State University's Miller College of Business. Raphael attended the university from 1996 to 2001.