Session Presenters
David Ruffin
Principal
IntelliCredit, A Division of QwickRate
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About the presenter
Presented by
David Ruffin
Principal
IntelliCredit, A Division of QwickRate
David Ruffin is a principal at IntelliCredit, A Division of QwickRate. His 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 co-founder 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 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, Mr. Ruffin has led teams providing thousands of loan reviews and performed hundreds of due diligence engagements focused on M&A and capital raising.
Breakout 2: Why Getting More From Your Loan Review Is Now Critical
A loan review is a strategic asset for community banks and should be treated like one. While this hasn’t been the case for decades, bankers are now realizing that new, dramatically improved processes — ones that can also be used for both internal and annual reviews — will not only make loan reviews more efficient, effective and less intrusive to credit teams’ day-to-day schedules, but provide a source of valuable information to help the bank detect risk earlier. This capability is especially critical during unsettled credit times. This session covers innovative approaches and best practices that can profoundly reduce the burden that a loan review traditionally placed on community bank teams — while also making this important discipline a more constant and strategic tool for minimizing credit risk that lies ahead.
Session Resources
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Why Getting More From Your Loan Review Is Now Critical
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Loan Review Best Practices: Key to Combatting Credit Risk