Contributor : druffin

viewpoint | April 17th, 2019

Credit Due Diligence Is Even More Important Now

M&A credit due diligence must be treated as an anticipation of the future, not a validation of the past.

By: David Ruffin
article | July 30th, 2018

What’s The Same – And What’s Not – In Assessing Credit Quality

ALLL and CECL are very different, and in some ways very similar.

By: David Ruffin
viewpoint | April 17th, 2017

The Board’s Role in Overseeing Credit Risk

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?

By: David Ruffin
article | February 27th, 2017

Is Your Bank’s Loan Review Good Enough?

This article takes a look at the essential elements of a modern loan review.

By: David Ruffin
article | May 18th, 2015

Back to the Future: The Allowance for Loan and Lease Losses

David Ruffin and Randal Rabe describe how to assess a qualitative and environmental adjustment for ALLL.

By: David Ruffin, Randal Rabe
viewpoint | April 23rd, 2015

Know Your Bank’s Credit Lifecycle

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.

By: David Ruffin
video | July 29th, 2014

Control Your Destiny: Ways to Win at Enterprise Risk Management

David Ruffin of Credit Risk Management, LLC, explains the benefits of an enterprise risk management program and what to avoid.

By: David Ruffin
article | May 6th, 2014

Why Stress Testing is a Must at Community Banks

David Ruffin at Credit Risk Management discusses what stress testing can do for community banks.

By: David Ruffin
viewpoint | April 25th, 2014

Managing Credit Risk in the Modern Age

Credit Risk Management co-founder David Ruffin explains how to make sure your bank has an excellent credit risk management program in place.

By: David Ruffin
article | September 24th, 2012

How Risk Management Is Changing

Credit Risk Management co-founder David Ruffin talks about transforming your credit and risk culture.

By: David Ruffin