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David Ruffin
David Ruffin is co-founder and managing member of Credit Risk Management, L.L.C. Credit Risk Management, founded in 1989, is a Raleigh-based consulting firm that provides comprehensive credit-related products and services to banks and other lending institutions throughout the U.S. David received his Bachelor of Arts degree in 1971 from UNC-Chapel Hill and his Master of Science degree in 1978 from East Carolina University. In 1973 David joined Planter's National Bank in North Carolina as a Line Lender and then moved into the role of Staff Credit Officer. While at Planter's, he graduated from the National Commercial Lending School and the National Commercial Lending Graduate School sponsored by the ABA at Oklahoma University. David is a former Regional Associate and Group Officer of Robert Morris Associates (Risk Management Association). From 1984 to 1989 he served in credit office positions at First Union, the last position as Senior Credit Officer of the Eastern Region of North Carolina. He left First Union in 1989 to form Credit Risk Management, L.L.C.
