Contributor : David Ruffin
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.
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.
Smart Ways to Find Loan Growth
How can banks overcome the unique challenges of putting their Covid-induced liquidity to work funding loans?
Tackling Credit Risk Uncertainty Head On
Bankers should take five steps to contain and address hidden and idiosyncratic credit risks in their portfolio.
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.
What’s The Same – And What’s Not – In Assessing Credit Quality
ALLL and CECL are very different, and in some ways very similar.
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?
Is Your Bank’s Loan Review Good Enough?
This article takes a look at the essential elements of a modern loan review.
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.
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.