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2019 Credit Conference


9:00–9:30 a.m. – Registration/Coffee and Pastries

9:30 a.m. – Business Session
Welcome and Opening Remarks
Keagan R. Broussard, Chairman, SCBA Credit Committee
Senior Vice President, Market Commercial Credit Manager
TD Bank, N.A., Columbia, SC

9:35–10:30 a.m. – Credit Risk and Capital: What do the Regulators Want?
Credit is the number one risk in banking and capital is the primary cushion against that risk. But how much capital is enough and how can managers effectively leverage credit risk without putting the bank’s viability in jeopardy? Bart Smith, former FDIC Regional Manager for the Carolinas, will share important insights on this relationship and discuss how basic credit stress analysis can improve bank performance and satisfy regulatory expectations.
W. Bartow “Bart” Smith, Managing Director & Partner
Performance Trust Capital Partners, LLC, Chicago, IL

10:30–10:45 a.m. – Networking Break

10:45–11:15 a.m. – Opportunity Zones: Investing for Impact
Perhaps the most talked-about component of the Tax Cuts and Jobs Act, the Opportunity Zone program can provide tremendous tax benefits. However, what started as a relatively simple concept has led to some of the most voluminous and complex IRS regulations in existence. This program will give attendees a working understanding of how the Opportunity Zone tax incentives work, why they are generating so much public attention, what requirements must be satisfied to utilize the benefits, and when the program is or is not right for an investment in their communities.
William R. “Will” Johnson, Shareholder
Economic Development Practice Group Leader
Haynsworth Sinkler Boyd, P.A., Columbia

11:15–11:45 a.m. – South Carolina Department of Commerce Overview
In this presentation, Mr. Johnson will discuss recent activity at the South Carolina Department of Commerce and its impact on South Carolina.
Benjamin Johnson, Director of Research
South Carolina Department of Commerce, Columbia, SC

11:45 a.m.–12:45 p.m. – Luncheon

12:45–1:15 p.m. – Cannabis Banking and other Top Legislative Issues
Thirty-three states have now adopted laws permitting either medical or recreational use of marijuana. Hemp is now legal and South Carolina is aggressively pursuing hemp as a crop in this state; yet questions abound about CBD. What do all these changes mean for South Carolina’s banks? Neil Rashley, Senior Vice President and Counsel at SCBA, will review these issues as well as other important state legislation affecting banking in South Carolina.
A. O’Neil “Neil” Rashley, Jr., Senior Vice President and Counsel
Legislative and Regulatory, South Carolina Bankers Association, Columbia, SC

1:15–2:00 p.m. – Panel Discussion: Perspectives on the State of the Commercial Real Estate Markets
This session will explore the commercial real estate markets in South Carolina. Senior leadership of several of the state’s commercial real estate firms will share their assessment of the state of the industrial, office, retail and multi-family markets.
Panel Moderator:
John W. Folsom, President and CEO, Colliers International South Carolina
Columbia, SC
David Feild, Colliers International Market President–Greenville/Spartanburg/Anderson
Bruce Harper, Trinity Partners, Managing Partner, Columbia
Bob Nuttall, Jr., Managing Principal, Lee and Associates, Charleston

2:00–2:45 p.m. – Alternate Financing Programs for South Carolina Businesses
In this closing session, registrants will learn about the benefits of the SSBCI, SBA 7(a), and SBA-504 loan programs that provide benefits to both banks and businesses alike as bankers look for creative financing solutions for their business customers.
Randy Griffin, President, CSRA Business Lending, Augusta, GA / Columbia, SC
Peter G. Shand, President & CEO, Business Development Corporation/Certified Development Corporation, Columbia

2:45 p.m. – Closing Remarks

3:00 p.m. – Adjournment



Lunch is included in the registration fee.

Due to necessary commitments and expenses, there will be no refunds of registration fees after noon on November 29, 2019.


If you have questions, please call the SCBA at 803.779.0850


2019 Credit Conf Sponsors


Dec 03 2019


9:00 am - 3:00 pm


Member=$295 / Non-Member=$750

More Info

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Courtyard Marriott Downtown @ USC
Columbia, SC
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