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Looking for Valuant? You are in the right place!

Valuant is now Abrigo, giving you a single source to Manage Risk and Drive Growth

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DiCOM Software is now part of Abrigo, giving you a single source to Manage Risk and Drive Growth. Make yourself at home – we hope you enjoy your new web experience.

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TPG Software is now part of Abrigo. You can continue to count on the world-class Investment Accounting software and services you’ve come to expect, plus all that Abrigo has to offer.

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Photo of Ralph Kramer

Ralph Kramer

EVP, Chief Credit Officer

Lending & Credit Risk
Ralph Kramer has been in the banking industry for more than 30 years and currently serves as the EVP / Chief Credit Officer of Southwestern National Bank (SNB). SNB is a $1.1B community bank headquartered in Houston, Texas that serves both the Texas and California markets. Ralph started his career as National Bank Examiner in 1990 and has served in various positions within the community bank industry since then at institutions both large and small. He has extensive experience with commercial real estate, C&I and SBA lending, and is responsible for the management of the bank’s $1B loan portfolio.
Ralph grew up in the Dallas area and graduated from Texas A&M University in 1988 with a B.S. degree in Economics. He is active in the Houston community where he is a member of the Rotary Club of West University, also serving as an Assistant Governor for Rotary District 5890.