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 III: Why Smart-focused M&A Loan Review is Critically Important Now
With the combination of rampant inflation, record velocity in rate increases and the weaning off of pandemic government assistance, the likelihood of heightened credit stress is all but guaranteed. Irrespective of current credit metrics being very benign, these are trailing indicators — and subject to change dramatically. In this environment, no prospective acquirer should be satisfied with call report data or previous loan review reports to extrapolate a target’s embedded credit quality.
Session Resources
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Why Smart-focused M&A Loan Review is Critically Important Now
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Advice to Bank Directors: Don’t Be Reactive on Credit Quality