Contributor : David Ruffin

Article | May 30th, 2023

Loan Review Best Practices: Key to Combatting Credit Risk

Loan reviews that leverage industry best practices are critical to an institution’s risk-management strategy.

By: David Ruffin
Article | June 21st, 2022

Advice to Bank Directors: Don’t Be Reactive on Credit Quality

Banks have four key reasons to be more vigilant in 2022 and the next couple of years.

By: David Ruffin
Article | October 1st, 2021

Smart Ways to Find Loan Growth

How can banks overcome the unique challenges of putting their Covid-induced liquidity to work funding loans?

By: David Ruffin
Article | February 9th, 2021

Tackling Credit Risk Uncertainty Head On

Bankers should take five steps to contain and address hidden and idiosyncratic credit risks in their portfolio.

By: David Ruffin
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