Ralph attended Old Dominion University
in Norfolk, Virginia where he graduated in 1972
with a Bachelor of Science in Business Administration.
After graduation, Ralph joined Life Savings Bank,
which became the largest bank in Hampton Roads.
During his career with Life Savings Bank, Ralph
became Senior Vice President in charge of the
administrative division. His responsibilities
included administering all loans originated at
the bank and managing its mortgage loan servicing,
foreclosures, REO out sales and bankruptcies.
In 1998 Life Savings Bank was purchased by BB&T,
from which Ralph retired in 2000 after fulfilling
his responsibility in assisting in the integration
of Life Savings Bank with BB&T.
In 2008, Ralph joined Sykes, Bourdon, Ahern &
Levy, P. C., as part of its management team, as
Foreclosure/Collections Marketing Specialist with
the foreclosure and bankruptcy departments and
REO division of the real estate department.