IntelliCredit™ provides loan review services, due diligence services and credit intelligence solutions designed by experts with decades of credit risk experience. David Ruffin, principal of IntelliCredit, is a longtime supporter of NCBA who has shared his expertise with members in numerous presentations and training events.

IntelliCredit services and solutions include:

  • Smart Loan Review™ Service uniquely combines deep credit expertise and an online, real-time portal that allows participants to see progress and results as they happen. Banks benefit from huge time savings, process transparency, plus fewer meetings and intrusions.
  • Smart Loan Review App is a cloud-based solution for internal loan review teams that helps automate and expedite the reviews they perform.
  • Portfolio Analyzer App helps banks identify emerging hotspots and delivers insightful analysis of a bank’s portfolio and loan data by individual credit and portfolio subsets, without the need to build reports or create spreadsheets.

To request a quote for your next loan review, click here. Visit for more information.


“This is the most substantive and efficient loan review I’ve experienced in my entire career. IntelliCredit allows you to do your day job while you’re actually accomplishing a loan review.”

– Michael Johnson
Chief Credit Officer, Dogwood State Bank

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Primary Contact

David Ruffin