David H. Ruffin

David H. Ruffin Director, DHG Credit Risk Management Raleigh, North Carolina Contact 919.301.6732 david.ruffin@dhgllp.com Experience David has more than 42 years of experience in the banking industry with a focus on credit risk. He has 27 years of experience as a business owner and banking industry consultant.

David helps lending institutions evaluate credit risk—both traditional transactional credit risk and the emerging more macro portfolio focus. David assesses all aspects of the credit process and credit culture—pertaining to a financial institution’s day-to-day activities, as well as within the integration challenges of a prospective merger or acquisition. Through his experience as a practicing banker and managing a credit consultancy firm, David has worked with management teams and boards of directors to create value by assessing the quality of loan review, credit talent, underwriting, servicing and loan approval protocols.

He has presented at more than 100 conferences for state bankers associations and financial organizations on pertinent credit issues facing the industry throughout the U.S. David’s presentation topics include current trends in credit, stress testing, enterprise risk management, construction real estate concentrations, loan review effectiveness and the importance of credit culture.

David has served as a subject matter witness in various cases and jurisdictions.

Prior to joining DHG, David was the co-founder and member of Credit Risk Management, L.L.C., (CRM). Formed in 1989, CRM was a consulting firm that provides comprehensive credit-related products and services to banks and other lending institutions throughout the U.S., until 2015. From 1984 to 1989 he served in credit officer positions at First Union, the last position as Senior Credit Officer of the Eastern Region of North Carolina. At that period of time he oversaw a commercial portfolio of approximately $10 billion.

David is a former Regional Associate and Group Officer of Robert Morris Associates (Risk Management Association).

Professional & Civic Involvement

• Triangle Land Conservancy, Treasurer
• Institute for Environment at University of North Carolina, Board Member
• Pullen Baptist Church, Deacon

Education

• University of North Carolina-Chapel Hill, Bachelor of Arts
• East Carolina University, Master of Science
• The American Bankers Association’s National Commercial Lending School and the National Commercial Lending Graduate School