Team

Meet our team of credit specialists.

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

David Ruffin

Principal, IntelliCredit™

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, IntelliCredit™

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.

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