David Ruffin
President, Credit Risk Solutions, OptimaFI
Control Your Destiny: Ways to Win at Enterprise Risk Management
Brought to you by DHG | Credit Risk Management LLC
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About the authors
Written by
David Ruffin
President, Credit Risk Solutions, OptimaFI
David’s extensive experience in the financial industry includes an emphasis on credit risk in a variety of roles that range from bank lender and senior credit officer to president of the OptimaFI Credit Risk solutions division (formerly IntelliCredit) where he helped develop technology that is revolutionizing a decades-old loan review process. David was also a cofounder of the successful Credit Risk Management, LLC consultancy and professor at several banking schools. A prolific publisher of credit-focused articles, he is a frequent speaker at national and state trade association forums, where he shares insights gained helping lending institutions evaluate credit risk—in both its transactional form as well as the risk associated with portfolios based on a more emergent macro strategy. Over the course of decades, he has led teams providing thousands of loan reviews and performed hundreds of due diligence engagements focused on M&A and capital raising. David holds a B.A. from the University of North Carolina- Chapel Hill, a M.S. from East Carolina University and multiple degrees from the American Bankers Association’s graduate lending schools.
Many community bankers assume that because of their size, there are limited benefits to implementing an enterprise risk management (ERM) process. Given the impact of the latest financial crisis, ERM programs offer several advantages for banks of all sizes. In this video, David Ruffin of Credit Risk Management, LLC, explains those benefits and what to avoid.
WRITTEN BY
David Ruffin
President, Credit Risk Solutions, OptimaFI
David’s extensive experience in the financial industry includes an emphasis on credit risk in a variety of roles that range from bank lender and senior credit officer to president of the OptimaFI Credit Risk solutions division (formerly IntelliCredit) where he helped develop technology that is revolutionizing a decades-old loan review process. David was also a cofounder of the successful Credit Risk Management, LLC consultancy and professor at several banking schools. A prolific publisher of credit-focused articles, he is a frequent speaker at national and state trade association forums, where he shares insights gained helping lending institutions evaluate credit risk—in both its transactional form as well as the risk associated with portfolios based on a more emergent macro strategy. Over the course of decades, he has led teams providing thousands of loan reviews and performed hundreds of due diligence engagements focused on M&A and capital raising. David holds a B.A. from the University of North Carolina- Chapel Hill, a M.S. from East Carolina University and multiple degrees from the American Bankers Association’s graduate lending schools.