Meet our leadership team of credit specialists.

IntelliCredit is designed, nurtured and delivered by the banking industry's most respected and experienced credit experts. Meet our leadership team!

David Ruffin

Principal, IntelliCreditTM

  • 16+ years as Chief Credit Officer/Commercial Lender for large North Carolina banks
  • Conducted 3,000+ loan reviews and 350+ capital raise or M&A due diligences
  • Founded Credit Risk Management, a loan review and credit services company
  • Prolific industry speaker and author on credit risk and strategy

David’s extensive experience in the financial industry includes a long and pronounced 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 traditional, transactional form as well as the risk associated with portfolios based on a more emergent macro strategy. David is an expert in assessing all aspects of the credit process and culture. Over the course of decades, he has led teams providing thousands of loan reviews and performed hundreds of due diligence engagements focused on M&A and capital raising. Most recently he headed the DHG-Credit Risk Management division at the Dixon Hughes Goodman accounting firm. David holds a B.A. from the University of North Carolina-Chapel Hill, a M.S. from East Carolina University and multiple degrees from the American Bankers Association’s graduate lending schools.

Larry Poole

Director, IntelliCreditTM

  • Led or participated in 300+ loan reviews, capital raises or M&A due diligences
  • Managed CDFI Loan Fund for large southeast tax credit equity syndicator ($2B+ in assets under management)
  • Former Credit Trainer for community banks
  • Former Loan Officer at a $1.0 billion community bank in Chicago, IL

Larry brings over 12 years of lending, management consulting and business development experience to the company. With a strong background in credit underwriting and quantitative analysis, Larry leads the development of IntelliCredit’s various credit-centric analytical tools enabling institutions to better manage their loan portfolios. Previously Larry was responsible for strategic oversight and day-to-day loan portfolio management of CAHEC Capital, a CDFI-certified loan fund for one of the largest nonprofit regional tax credit equity syndicators in the United States. At Credit Risk Management, LLC (CRM) he was product leader for the company’s ALLL model and led 150+ data modeling engagements, plus bank loan reviews, across the Southeast. Larry also served as a Loan Officer / Lead Credit Analyst at a $1.0 billion community bank in Chicago, IL and completed LaSalle Bank N.A.’s (now BofA) formal credit training program. Larry is a graduate of The Citadel, The Military College of South Carolina, with a degree in Business Administration.

Ron Coleman

Manager, Loan Review and Analytics, IntelliCreditTM

  • Led or participated in 350+ loan reviews, capital raises or M&A due diligences 
  • 10 Years as Chief Credit Officer/Head of Credit with a $2 billion bank 
  • 28 Years of community banking with expertise in credit policy development, loan review, credit administration and loan loss analysis

Ron has over 40 years of experience in the financial industry. Ron has led or participated in hundreds of loan review and due diligence engagements since 2013. Prior to his involvement with providing loan review services, Ron worked for 28 years in community banking with responsibilities ranging from commercial lender to Senior Credit Officer and Head of Credit Administration. Ron’s duties as Head of Credit Administration included credit policy development, oversight of the loan review function and loan loss analysis. Ron also worked for a national financial institution as City Executive, responsible for new business development and portfolio management.

Ron has experience in all areas of commercial lending with a primary focus on C&I Lending, Asset-Based Lending and Factoring.

Ron is a graduate of the University of North Carolina at Chapel Hill and a graduate of the NC School of Banking and the RMA Commercial Lending School. Ron has taken numerous classes in lending, credit management and credit review.

"This is the most substantive and efficient loan review I've experienced in my entire career."

Michael Johnson, Chief Credit Officer
Dogwood State Bank

"We believe the IntelliCredit team has put together the most innovative, efficient — and affordable — credit review process we've seen. It certainly helps that they've developed this solution using their deep credit experience working with community bankers."

Ed Cooney, Chief Executive Officer
Affinity Bank
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