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Ralph Kramer Email & Phone Number
EVP and Chief Credit Officer
at
Texas Heritage National Bank
1 work email found
@swnbk.com
1 phone found area 281
LinkedIn matched
✓ Verified July 2026
4 data sources
Profile completeness 100%
Current company
Role
EVP and Chief Credit Officer
Location
Houston, Texas, United States
Company size
Who is Ralph Kramer? Overview
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Quick answer
Ralph Kramer is listed as EVP and Chief Credit Officer at Texas Heritage National Bank, a with 47 employees, based in Houston, Texas, United States. AeroLeads shows a work email signal at swnbk.com, phone signal with area code 281, and a matched LinkedIn profile for Ralph Kramer.
Ralph Kramer previously worked as EVP / Chief Credit Officer at Southwestern National Bank and SVP / Chief Credit Officer at Southwestern National Bank. Ralph Kramer holds Bs, Economics from Texas A&M University.
Company email context
Email format at Texas Heritage National Bank
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{first}.{last}@swnbk.com
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AeroLeads found 1 current-domain work email signal for Ralph Kramer. Compare company email patterns before reaching out.
Profile bio
About Ralph Kramer
Ralph Kramer is a EVP and Chief Credit Officer at Texas Heritage National Bank. He possess expertise in loans, banking, credit, financial analysis, credit analysis.
Listed skills include Loans, Banking, Credit, Financial Analysis, and 1 others.
Current workplace
Ralph Kramer's current company
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Texas Heritage National Bank
13 roles
Ralph Kramer work experience
A career timeline built from the work history available for this profile.
Evp / Chief Credit Officer
Svp / Chief Credit Officer
Feb 2021 - Dec 2021
Svp - Chief Credit Officer
Feb 2019 - Jan 2021
Svp - Senior Credit Officer
Icon Bank Of Texas, N.A.
Review and approve loan requests from Commercial Loan Officers at three branches, including loan modifications, policy waivers and collateral releases. Loan requests reviewed were typically Commercial Real Estate transactions, including Owner-Occupied, Non-Owner-Occupied, Investment properties, Retail Centers/Office buildings, and Apartment complexes. Review and approve loan requests from the SBA Loan Department, including loan modifications, policy waivers and collateral releases. Prepare and review loan presentations for Senior Loan Committee. Assist the Bank's Special Asset Department in liquidating foreclosed assets. Responsible for monthly loan Board reports.
Mar 2013 - Nov 2018
Svp / Loan Officer
Icon Bank Of Texas, N.A.
In charge of loan production, including generation of loans and new loan submissions. Focused primarily on Commercial Real Estate transactions, including Owner-Occupied, Non-Owner-Occupied, Investment property, Retail Centers, and Apartment complexes, with some consumer real estate transactions. Underwrote new loan submissions, including analyzing cash flow, projections, market and competition, history of the business and personal financial strength of the guarantor
Feb 2009 - Mar 2013
Vp - Business Development Officer
Mar 2008 - Feb 2009
Avp - Business Development / Sales Management Team
Small Business Loan Source
Team leader for a group of Business Development Officers (BDOs) located nationwide, responsible for managing production, including marketing and generating loans, loan structure, support of new loan submissions, and continued monitoring of approved loans in process. Additionally, assisted the hiring of BDOs and underwriters, including interviewing, offer letters and the setup of satellite offices.
Mar 2006 - Feb 2008
Avp - Senior Small Business Underwriter
Amegy Bank
Assisted in forming the Small Business Loan Center, including developing department policies and procedures, product structures, and selecting/customizing the loan decision platform. Underwrote small business loan requests for the Retail Group from $50,000-$250,000.
Dec 2001 - Mar 2006
Avp - Credit Review Officer
Amegy Bank
Performed loan reviews on commercial and personal loan relationships. In addition, reviewed both commercial and residential real estate appraisals. Assisted in two due diligence reviews of other banks, including a review of a trust department.
Nov 1999 - Nov 2001
Internal Auditor
Bayshore National Bank
Performed audits on all operational activities of the bank and reported findings to the Board of Directors. Served as the bank's Security Officer, CRA Officer and Compliance Officer. Established an insurance operating subsidiary for the bank holding company.
Sep 1996 - Nov 1999
Assistant National Bank Examiner
Office Of The Comptroller Of The Currency
Assisted in the examination of National Banks, specializing in loan portfolio management, funds management/investments, and trust exams.
Sep 1992 - Sep 1996
Assistant National Bank Examiner
Office Of The Comptroller Of The Currency
Assisted in the examination of National Banks, specializing in areas of loan portfolio management, funds management/investments, and trust exams.
Feb 1990 - Sep 1992
1 education record
Ralph Kramer education
FAQ
Frequently asked questions about Ralph Kramer
Quick answers generated from the profile data available on this page.
What company does Ralph Kramer work for?
Ralph Kramer works for Texas Heritage National Bank.
What is Ralph Kramer's role at Texas Heritage National Bank?
Ralph Kramer is listed as EVP and Chief Credit Officer at Texas Heritage National Bank.
What is Ralph Kramer's email address?
AeroLeads has found 1 work email signal at @swnbk.com for Ralph Kramer at Texas Heritage National Bank.
What is Ralph Kramer's phone number?
AeroLeads has found 1 phone signal(s) with area code 281 for Ralph Kramer at Texas Heritage National Bank.
Where is Ralph Kramer based?
Ralph Kramer is based in Houston, Texas, United States while working with Texas Heritage National Bank.
What companies has Ralph Kramer worked for?
Ralph Kramer has worked for Texas Heritage National Bank, Southwestern National Bank, Transpecos Banks, Ssb, Icon Bank Of Texas, N.A., and Small Business Loan Source.
How can I contact Ralph Kramer?
You can use AeroLeads to view verified contact signals for Ralph Kramer at Texas Heritage National Bank, including work email, phone, and LinkedIn data when available.
What schools did Ralph Kramer attend?
Ralph Kramer holds Bs, Economics from Texas A&M University.
What skills is Ralph Kramer known for?
Ralph Kramer is listed with skills including Loans, Banking, Credit, Financial Analysis, and Credit Analysis.
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