Meet our management team.

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

David Ruffin


  • 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

Managing Director

  • 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 approximately two decades 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 Bank of America) formal credit training program. Larry is a graduate of The Citadel, The Military College of South Carolina, with a degree in Business Administration.

David Littleton

Director, Data Analytics and Product Management

  • Key contributor in the development of IntelliCredit solutions
  • Focused on ensuring successful client experiences

David joined IntelliCredit as a founding member in 2019 and plays a significant role in designing and building all IntelliCredit solutions. David is responsible for working hands-on with each of our clients to stage and ingest data, and ensure successful engagements for all parties. David also serves as a Project Manager for application development and is involved with new client training and onboarding. He holds a B.A. from the University of North Carolina at Chapel Hill and an M.S. from the University of Virginia.

Laurie Watts

Director, Client Engagement and Logistics

  • Primary liaison between IntelliCredit clients and their Smart Loan Review teams
  • Customizes engagement proposals, product proposals and special projects for clients
  • 30 years of loan review, project management, legal and documentation experience

Laurie brings a diverse background to IntelliCredit with a wealth of loan review, project management, legal and documentation review experience. She is the primary liaison between IntelliCredit clients and their Smart Loan Review teams, with responsibilities ranging from scheduling and staffing of loan review engagements to scoping and sampling of institutional portfolios and maintaining follow-up with clients. Starting over 30 years ago as a bank transactional paralegal and building on that background, Laurie has served as documentation lead on hundreds of loan reviews. Laurie worked as a paralegal in multiple states before beginning her loan review career in 2009. Prior to joining IntelliCredit, she was a project manager for over seven years at legacy DHG-Credit Risk Management (now FORVIS), a nationally recognized accounting firm serving clients coast to coast. Laurie is well-versed in all aspects of loan review and is hyper-focused on anticipating and meeting client needs.

Ron Coleman

Senior Manager, Loan Review and Analytics

  • 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 and has led or participated in hundreds of loan reviews and due diligence engagements since 2013. Prior to his involvement with providing loan review services, Ron worked for 28 years in community banking with job titles 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. He also worked for a national financial institution as City Executive and was 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. A graduate of the University of North Carolina at Chapel Hill, the North Carolina School of Banking and the RMA Commercial Lending School, Ron has taken numerous classes in lending, credit management and credit review.

Raymond Bradley

Senior Manager, Loan Review and Analytics

  • 7+ years as credit lead in hundreds of loan reviews and due diligences
  • 45+ years in Commercial and Industrial Finance
  • Extensive experience in all areas of commercial lending from business origination to underwriting and funding

Ray has participated as a credit lead on hundreds of loan reviews and due diligences since 2016 and has 45+ years of experience in Commercial and Industrial Finance. Most recently, Ray held the role of Senior Manager in the legacy Dixon Hughes Goodman’s credit risk management group (now FORVIS). Ray has held numerous field and senior management positions with industry leaders including GE Capital, Barclays Bank and Wachovia. That tenure provided him with extensive expertise in all areas of commercial lending, ranging from business origination to underwriting and funding, and in maintaining strong working knowledge in a wide range of capital-intensive industries. An Erskine College graduate with a dual degree in Business/Economics, Ray’s work experience is further augmented by extensive training through GE (Six-Sigma Black Belt), AIB, and third-party industry specialist curricula.

David Krebsbach

IT Manager

  • 20+ years managing the technology and security for all QwickRate products
  • Focused on simplifying work for clients and ensuring an exceptional experience

In the more than 20 years that David Krebsbach has been with QwickRate, radical changes have occurred in information technology, and David has made a career of keeping up with and taking advantage of the opportunities those changes present. As IT Manager, he is charged with the overall responsibility for maintaining technology and IT security for all company products, including the QwickRate CD Marketplace, QwickAnalytics and IntelliCredit. David leads a fantastic team of experienced developers and staff who make it their business to simplify our clients’ lives. David handles all remote access for IntelliCredit clients.

Jeannie Horton

Manager, Client Engagement and Data Analysis

  • 20+ years of loan review experience
  • Works closely with clients to ensure a smooth and efficient loan review experience
  • Former assistant branch manager for a regional bank

Jeannie brings over 20 years of loan review experience to the IntelliCredit team. Her loan review career began in 2001 at ProBank Austin (formerly Professional Bank Services, Inc., now FORVIS). At IntelliCredit, Jeannie’s duties include analyzing client loan trial balance data, ingesting data into IntelliCredit’s proprietary software, selecting targeted loan review samples, setting up loan review environments, as well as drafting and finalizing the loan review reports. Jeannie is actively involved with clients during all aspects of the engagement. Her extensive experience allows for a smooth and efficient loan review process, both for the client and IntelliCredit. Prior to ProBank Austin, Jeannie worked as an assistant branch manager in a regional bank, responsible for front-of-the-house operations.

Karen Friend

Manager, Legal Documentation Paralegal

  • Documentation lead and team member on hundreds of loan reviews and due diligences
  • Paralegal with a background in foreclosures and bankruptcy
  • Served as an assistant to a Chapter 7 Trustee in the Eastern District of North Carolina

Karen is a paralegal and notary public in the state of North Carolina. She began her career as a Loan Documentation Specialist in 2007 and has provided services as both a documentation team member and documentation lead on hundreds of loan reviews and due diligence engagements throughout the United States. Karen has a paralegal background in foreclosures and bankruptcy and served as an assistant to a Chapter 7 Trustee in the Eastern District of North Carolina. Karen received her undergraduate degree in education from Appalachian State University in Boone, North Carolina and her ABA-approved paralegal certificate from Meredith College in Raleigh, North Carolina. She has also completed several courses at Wake Technical Community College in Raleigh, North Carolina towards an associate’s degree in business analytics.

"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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