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David Ruffin
Principal at 

David is co-founder and principal of IntelliCredit, a division of QwickRate. He has extensive experience in the financial industry including a long and pronounced emphasis on credit risk in a variety of roles that range from bank lender to senior credit officer.

Email the team at [email protected].

QwickRate is an associate member of the Indiana Bankers Association.

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Articles
Compliance Connection

Modernizing bank supervision

Reading Time: 4 minutesCommunity banks are the backbone of local economies, and the regulatory environment that governs them is undergoing significant change.

Michael J. Messaglia and Keaton J. Miller March 16, 2026
HR Topics

The long tail of retention

Reading Time: 4 minutesMarket adjustments, counteroffers and off-cycle raises, while well-intentioned and driven by legitimate business needs, pose a common, source of employment litigation risk.

Joey K. Wright March 16, 2026
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