2017 Fall Credit Conference

The 2017 SCBA Fall Credit Conference has been developed to provide bankers with essential information to make your bank more profitable and competitive in the coming months. We also are encouraging the new generation of lenders to register.

9:00.-9:30 a.m.

Registration/Coffee and Pastries

9:30 a.m.

Business Session
Welcome and Opening Remarks
William C. “Bill” Barker, Chairman, SCBA Credit Committee; and Senior Credit Officer, Oconee Federal  Savings & Loan, Seneca, SC

9:35-10:15 a.m.

Creating a Successful Credit Culture
Michael C. “Mike” Crapps, President and CEO, First Community Bank, Lexington, SC
The changing political landscape and regulatory environment continue to challenge many community banks. Credit culture in its broadest definition is how a bank provides credit in its marketplace. It is important that everyone connected with the credit function in an institution understand and act dependably with the planned credit culture so that loans are granted and administered in a manner consistent with management’s intent.

10:15-10:40 a.m.

The State Board of Financial Institutions: Observations from the Commissioner
Robert L. Davis, Commissioner of Banking, State of South Carolina, Columbia, SC

10:40-11:00 a.m.

Networking Break

11:15-12:10 p.m.

Taking the Right Kind of Credit Risk
W. Bartow “Bart” Smith, Managing Director, Performance Trust, Charlotte, NC
Years after the financial crisis, delinquency rates continue to fall and overall credit quality continues to improve. Is this a time to take more risk, or should we be curtailing exposures and preparing for another slow down? Former FDIC Regulator Bart Smith will share his views on the current lending environment, examiner expectations for asset quality, and methods and measures to assess and support your credit environment. Learn how to combine various assessment principals to be certain that your institution is taking the “right” kind of credit risk. Mr. Smith will also discuss the current regulatory environment.

Noon-12:45 p.m.

Special Thanks to our Luncheon Sponsor Elliott Davis

12:45-1:25 p.m.

The New Lease Standard and its Impact on Bank Customers
R. Jason Caskey, CPA, Shareholder and Financial Services Practice Leader, Elliott Davis, LLC, Columbia, SC
Robert M. Stevens, CPA, Shareholder, Elliott Davis, LLC, Columbia, SC
The new accounting standard on leases could dramatically change the financial statements of bank borrowers once adopted. Join representatives from Elliott Davis as they discuss these changes and provide guidance to lending and credit teams on how bankers should help their customers prepare. Operating leases that have always flowed through an income statement will now be recorded as an asset on the balance with a corresponding liability. The addition of these numbers to the balance sheet could impact debt-covenant arrangements already in place or even alter the view a credit team has of a borrower’s financial position.

1:25-2:15 p.m.

Relationship, Retention, Revenue Three Ways to Improve Your Performance
Mike Persichini, VP Commercial Finance, Bluevine, Buffalo, NY
This session will focus on three of the most important issues facing our industry today – how do we enhance our small business relationships, how do we insure retention of those relationships and how can we create more fee income to help offset this low-rate interest environment. Join us for this inside look at how community banks are accomplishing all three of these objectives through new small business lending programs.

2:15-3:25 p.m.

Outlook for Commercial Real Estate: The Upstate, Midlands, Lowcountry and the Coast
Representatives from NAI Earle Furman will discuss the latest trends and the outlook for commercial real estate properties for the Upstate, Midlands, and Coastal areas. Time will be reserved at the end of the presentation for a question- and-answer session.

3:25 p.m.

Closing Remarks

3:30 p.m.



Date of Event:
November 16, 2017

Registration: 9 a.m.
Conference: 9:30 a.m. – 3:30 p.m.

Inn @ USC Wyndham Garden
1619 Pendleton Street
Columbia, SC

5.8 CPE Credit Hours Available

Contact Anne Gillespie,


Lunch included.

Registration Deadline
November 9

Refund Deadline
November 14

Substitutions Welcome