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Ralph H. Fite is a financial professional with over 20 years of experience in the arrangement of debt and mezzanine debt capital with financial institutions and in commercial banking.  His background includes the handling of customer relationships with both large established and smaller emerging companies.  He is adept in the analysis of projects and cash flow projections and has singularly arranged millions of dollars of loans for clients with financial institutions all over the United States.

As President of River Oaks Financial Group, Inc., Mr. Fite arranges loans with various financial  institutions for a variety of third-party clients involved in acquisitions company of the Chairman and CEO, engaged in the purchasing and repositioning of Texas based office buildings, retail centers and industrial properties.  He has separately placed $52,233,678 and assisted in the closing of eleven separate loan transactions with various institutions and commercial banks while co-managing and assisting in the placement and closing of an additional $30,600,000 in another four separate financial institutions and commercial banks.  Mr. Fite’s other duties in River Oaks Financial Group include preparing the key pro forma financial projections on properties submitted to lenders and organizing other items of information to make understandable and comprehensive presentations to potential lenders.

In 1996, Mr. Fite was the Senior Vice President and Manager, Energy Division IV of Bank One, Texas. In a five-month period, Mr. Fite closed $30.8 million in commercial loans with the transfer of loyal customers from a prior institution.    From 1982 to 1996, Mr. Fite was the Vice President and Manager of the Energy and Minerals Unit for First Interstate Bank of Texas. The business unit he managed earned $16 million in annual profit for First Interstate. Mr. Fite oversaw growth in outstanding loans from $172 million in 1991 to $303 million in 1995 while maintaining “Good” credit quality rating.  Mr Fite also served in roles of increasing responsibility in the Petroleum Division II for the Texas Commerce Bank from 1979 to 1982.  He maintained responsibilities for a loan portfolio with approximately $60 million in outstandings, analyzed and structured new credit requests and marketed other non-credit bank products and services.

Mr. Ralph Fite received his BBA from the University of Texas at Austin in 1973 and was awarded his CPA designation from the State of Texas in 1975.  He passed 2 of the 3 exams of the Chartered Financial Analyst Designation.  He is also a member of the Houston Society of Financial Analysts.

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