Contributor : David Ruffin
M&A credit due diligence must be treated as an anticipation of the future, not a validation of the past.
ALLL and CECL are very different, and in some ways very similar.
Do you know the right questions to ask about the quality of your bank’s loan portfolio and the loan underwriting process that supports it?
This article takes a look at the essential elements of a modern loan review.
David Ruffin and Randal Rabe describe how to assess a qualitative and environmental adjustment for ALLL.
David Ruffin, co-founder of Credit Risk Management, explains how transactional and macro risk can combine to create a multi-dimensional view of the credit management process.
David Ruffin of Credit Risk Management, LLC, explains the benefits of an enterprise risk management program and what to avoid.
David Ruffin at Credit Risk Management discusses what stress testing can do for community banks.
Credit Risk Management co-founder David Ruffin explains how to make sure your bank has an excellent credit risk management program in place.
Credit Risk Management co-founder David Ruffin talks about transforming your credit and risk culture.