Ray Ruffin is a seasoned financial professional with over two decades of experience in commercial, corporate, and business banking. As a Business Banking Relationship Manager, he focuses on developing and sustaining relationships with small to mid-size businesses and real estate investors across the Crenshaw Corridor and San Gabriel Valley in Greater Los Angeles. Ray brings a deep expertise in both C&I and Commercial Real Estate lending, having originated over $2 billion in construction, mini-perm, and permanent debt across diverse asset classes.
Known for his integrity and analytical acumen, Ray is committed to being a trustworthy advisor who offers candid feedback and clear, actionable solutions. His approach aligns seamlessly with Umpqua’s emphasis on relationship-building and community trust—he views his role not just as a banker, but as a strategic partner invested in his clients’ long-term success. With a strong connection to the local community and a nuanced understanding of capital markets, Ray continues to be a driving force in helping businesses thrive throughout Greater Los Angeles.
