JAMES A. BENNETT First Citizens Bank, Columbia 2020-2021 SCBA Chairman Summer Issue 2020-3 SOUTH BANKERSCAROLINAASSOCIATION PALMETTO Banker
First Citizens Bank Columbia, SC
South
First FleetwoodVice-ChairmanS.Hassell
President
Group II Director Dominik Mjartan Optus Columbia,BankSC
JamesChairmanA.Bennett
Group V Director J. Carlisle Oxner III Arthur State Bank Union, SC Group VI Director Robert F. Dozier, Jr. First Reliance Bank Lexington, SC
Group III Director Thomas R. Britt, Jr. Bank of Travelers Rest Travelers Rest, SC
SCBA BOARD OF DIRECTORS
Arnold
Community Bankers Council, Chairman J. Ted Nissen First Community Bank Lexington, SC
Bankers School, AnnetteChair L. Scott Greenwood,Countybank SC
1st
K.Chairman-ElectWayneWicker Atlantic Bank Myrtle Beach, SC
2020-2021 BOARD OF DIRECTORS
SCBA EXECUTIVE COMMITTEE 2nd Immediate Past DavidChairmanL.Morrow United
The Bank of South Charleston,Carolina SC
Fred
Young Bankers, AllisonChair B. Cranford TD Bank, Columbia,N.A.SC ThomasMember-at-LargeBouchette The Citizens Bank Florence, SC J.Member-at-LargeHoltChetwood Wells Columbia,FargoSC JenniferMember-at-LargeT.Jones CBL State Savings Bank Greer, SC JohnMember-at-LargeD.Kimberly Park National Bank Spartanburg, SC RoseMember-at-LargeBuyckNewton Bank of Manning,ClarendonSC C.Member-at-LargeKyleThomas Blue Ridge Bank Walhalla, SC
Immediate Past Chairman Samuel L. Erwin IBERIABANK / First Horizon Greenville, SC Charleston,BankSC & CEO L. Green III South Columbia,BankersCarolinaAssociationSC
Group IV Director David R. Torris Truist Savannah,Bank GA
BoydTreasurerB.Jones Columbia,Synovus SC
Group I Director A. Zipperer III Federal Savings Bank of SC, Walterboro,Inc. SC
James A. Kimbell III, Coastal Carolina National Bank Richard N. McIntyre, First Reliance Bank Jamie O. Morphis III, Carolina Bank & Trust Co.
John M. Leighton, South State Bank
Allison B. Cranford, TD Bank, N.A. Chair-Elect David P. Looper, Wells Fargo
Chair Annette L. Scott, Countybank Chair-Elect
Robert L. White, Bank of Travelers Rest Mze Wilkins, Ameris Bank Course Coordinators James R. Clarkson
Curtis T. Evatt, Oconee Federal Savings & Loan
Contents57131415262930434649PastChairman’sMessageCoverStoryABAUpdateElectionDayPreferredVendorsYoungBankersDivisionSouthCarolinaBankersSchoolAssociateMembersEducation&ProfessionalWelcomeNewMembersPersonalTransactionsDevelopment
Items from members are welcome, however the editor reserves the right to refuse copy. With the exception of official announcements, the SCBA disclaims responsibility for opinions expressed and statements made in articles published in the Palmetto Banker.
First Vice Chairman Rufus T. Dunlap, V, Countybank
2020-21 BANKERS SCHOOL BOARD
SCBA BOARD OF DIRECTORS
Directors Thomas Bouchette, The Citizens Bank
Senior Vice President Carolyn L. Bradley
David R. Torris, Truist Bank Annette L. Scott, Countybank
J. Reeves Skeen, First Citizens Bank
Jared A. Polk, Enterprise Bank of SC Charles H. Redmond, South State Bank M. Brice Sprayberry III, United Community Bank B. Oneal Staples, Ameris Bank Trisha W. Warwick, Community First Bank
Thomas R. Britt, Jr., Bank of Travelers Rest J. Holt Chetwood, Wells Fargo Allison B. Cranford, TD Bank, N.A. Robert F. Dozier, Jr., First Reliance Bank
Marvin E. Robinson, Jr., Ameris Bank
Chairman James A. Bennett, First Citizens Bank Chairman-Elect
SCBA Staff
Lauren D. Greene, First Citizens Bank Daniel Harshaw, Bank of York Othniel W. Laffitte, GrandSouth Bank Everette J. Livingston, First Citizens Bank S. Alexis Matthews, The Peoples Bank
2020-21
2020-21
Ford P. Menefee, The Bank of South Carolina Directors Richard N. Burch, South Atlantic Bank
Joseph A. Painter, First Community Bank
John C. Griggs III, Synovus
W. David Keller, The Citizens Bank
Samuel L. Erwin, IBERIABANK / First Horizon
Robert P. Hucks, II, Coastal Carolina National Bank
President & CEO
Second Immediate Past Chairman
2020-21 YOUNG BANKERS DIVISION BOARD OF DIRECTORS
Calvin C. Hurst, Southern First Bank
2009 Park Street I PO Box 1483 Columbia, S.C., 29202-1483 803.779.0850 I Fax: 803.779.0890 www.scbankers.org
SCBA EXECUTIVE COMMITTEE
J. Ted Nissen, First Community Bank Chairman-Elect
Immediate Past Chair Elizabeth S. Steifle, Bank of Travelers Rest Directors Reid Boehm, Synovus Michelle A. Coletta, South Atlantic Bank Vaughan R. Dozier, Jr., First Community Bank Margi M. Fleming, The Citizens Bank Austin J. Goforth, Southern First Bank
Michelle B. Seaver, United Community Bank
Fred L. Green III, South Carolina Bankers Association
J. Carlisle Oxner III, Arthur State Bank
Fred L. Green III
K. Wayne Wicker, South Atlantic Bank
Chair
Director, Advertising & IT M. Caroline Snijders
John D. Kimberly, Park National Bank Dominik Mjartan, Optus Bank Rose Buyck Newton, Bank of Clarendon J. Ted Nissen, First Community Bank
W. David Keller, The Citizens Bank Francis A. Townsend III, South State Bank
Senior Vice President & Counsel A. O’Neil Rashley, Jr., Esq.
First Vice Chairman Fleetwood S. Hassell, The Bank of South Carolina Treasurer Boyd B. Jones, Synovus Immediate Past Chairman
Arnold A. Zipperer III, 1st Federal Savings Bank of SC, Inc.
Jennifer T. Jones, CBL State Savings Bank
Chairman
Administrative Assistant Bonnie E. Nelson
The Palmetto Banker is a publication of the South Carolina Bankers Association. The magazine exists to serve its members by communicating news of interest, education and SCBA activities.
David L. Morrow, United Bank President & CEO
Immediate Past Chair
2020-21 COMMUNITY BANKERS DIVISION BOARD
Executive Vice President & CFO Donna S. Taylor
C. Kyle Thomas, Blue Ridge Bank
Senior Vice President E. Anne Gillespie
Directors Marion E. Freeman, Jr., The Conway National Bank L. E. Griffin, Home Federal Savings & Loan
Centrant Community Capital is your lending partner at every step, offering first-lien permanent mortgages to finance affordable multifamily housing. initial membership through servicing, provide your bank with support loans offer a time-tested, and way to efforts
information,
and guidance. Our
From
learn
support community development
in the markets you serve. (984)david@centrant.orgcentrant.org344-9992 MISSION DRIVEN LENDING PartnershipsMatter.
we
Contact us to more.
How can we partner with you?
profitable
low risk
loan
30 years in banking and has seen his share of economic ups and downs. Following the Great Recession of 2007-2010 he didn’t expect another dramatic downturn during his career, he said, but the pandemic proved even more challenging because it happened so quickly.
The SCBA helped bankers navigate first the pandemic, then the Coronavirus Aid, Relief, and Economic Security (CARES) Act,
“When I was at Kiawah at the 2019 SCBA Annual Meeting, I was thinking about what would be the emphasis for the coming year, and what came to mind was relevancy: how could the South Carolina Bankers Association be more relevant to our members?” Erwin said. “Looking back at the past few months in particular, we’re absolutely proud of our relevance, but in a way that I could never have imagined.”
“In times of great turmoil there is a role for organizations such as the South Carolina Bankers Association to play,” Erwin said. “When there are more questions than answers there has to be a place for members to go to get the answers they need. We saw so clearly that the Association has a pivotal role to play in times of Erwinuncertainty.”hasspent
Part of the act, the Paycheck Protection Program, saw some 65 South Carolina banks close $5.7 billion in loans in a little more than 90 days. Many South Carolina institutions that handled PPP loans were inundated with work, with some bankers going three weeks or longer without a break.
Sam Erwin couldn’t, in his most imaginative moment, have predicted the tumult that would encompass his year as chairman of the South Carolina Bankers Association.
On a personal note, Erwin’s institution, Louisiana-based IBERIABANK merged with First Horizon Bank of Memphis, Tenn., in a deal that closed a week after his term as chairman ended. If all that weren’t enough, he was unable to serve as host at the SCBA’s Annual Meeting, which was cancelled because of the pandemic. It is believed to be the first time in the 120-year history of the Association that no meeting was held.
Samuel L. Erwin, Past Chairman South Carolina Bankers Association
SUMMER 2020 • PALMETTO BANKER 5 P ast C hairman ’ s m essage
designed to expand the access and availability of loans to struggling small businesses, including keeping them from having to lay off employees.
Erwin Proud Rose to Challenges
Erwin, who has held positions with a number of banks during his career, including First Union, Carolina National Bank and The Palmetto Bank, worked with other members of the SCBA staff and its board to react quickly once the state began to shut down in the spring as a result of COVID-19.
When asked about his 12 months at the helm of the SCBA, though, Erwin chose to focus on the positive. The upheaval of the past few months allowed the Bankers Association to underscore the organization’s importance, he said.
OF HOW ASSOCIATION
“I certainly hope we don’t experience anything like this again, but, as I’ve learned, you need to be prepared,” he said.
One of the first steps was to hold conference calls for members, an idea Erwin credits to current SCBA Chairman James Bennett. Some calls included between 300 and 400 bankers.
During Erwin’s one-year term, which ended June 30, 2020, he saw the economy go into a steep decline as a result of the COVID-19 pandemic, with banks across the state being forced to close their lobbies and conduct much of their business via drivethrough lines, the passage of a government aid package that left banks swamped with work for weeks, and social unrest that saw rioting throughout the country, including South Carolina.
The Paycheck Protection Program is part of the CARES Act. In all, $659 billion was set aside for the program, which began in early April and ran through Aug. 8. PPP loans were made by lending institutions and then guaranteed by the SBA. Borrowers applied to lenders and self-certified that they were eligible for PPP loans.
“The phone calls were important,” Erwin said. “It was nice to know what other bankers were doing and when they were doing it regarding closing branches, opening branches, using just the drive-through and so on. It brought a level of comfort.
If there was a downside to Erwin’s term, it was that the pandemic prevented him from participating in some of the highlights of the chairman’s term, such as the annual trip to Washington, D.C., to visit legislators, and hosting the SCBA’s Annual Meeting, where bank leaders and bank board members from around the state Erwingather.tookthe
setbacks in stride, Morrow said.
“We could not have picked a better time for Sam to be our leader,” Morrow said. “Things were changing and moving fast, and he helped us stay on top of those changes. He led weekly meetings by phone of all the bankers around the state, and often there were hundreds of bankers on those calls. He ran those meetings with skill and composure.”
South Carolina institutions helped 63,000 small-business customers survive, allowing them to continue paying their employees. PPP loans made by Palmetto State institutions helped maintain and protect better than one in four S.C. jobs, more than 650,000 in all.
“As a past chairman of the SCBA, I felt the highlight of my term was to preside over the annual meeting. Unfortunately, Sam missed this experience,” Green said. “On the other hand, he interacted with more bankers during our 20-plus calls than any past chairman did during their term in office.”
By rising to the challenge, clients saw their banks from a new “Manyperspective.ofourclients were aware of some of what we could do for them, but by helping them through the pandemic and helping them keep employees on their payrolls, we were able to prove our worth in a different way,” he said.
If Erwin has a regret it’s that he didn’t get the opportunity to “pass the chairman’s gavel” to Bennett, who succeeded him as chairman. With Bennett’s ascension on July 1, he became the first African-American chairman of the SCBA and one of the few African-American state banking association chairmen in the history of the industry.
“James is certainly deserving of this honor,” he said, adding that Bennett’s election is indicative of a change needed within the industry. “We as an industry need to reflect the communities we Howserve.”does
“There’s no question that the Bankers Association is stronger after all we’ve been through. It certainly was a year with a lot of excitement,” Erwin said. “I’m very proud of the job we were able to do under trying circumstances.
CHALLENGE ACCEPTED
Erwin was the right person in the right place at the right time, said David Morrow, senior executive banking officer with United Bank and Erwin’s predecessor as SCBA chairman.
P ast C hairman ’ s
“It was such an honor to serve as chairman of the South Carolina Bankers Association; it’s one of the greatest honors of my career,” he added.
Among those he singled out were SCBA president and CEO Fred Green, who “provided wonderful guidance regarding the CARES Act and what it meant to banks and bankers,” and Rusty Richardson, chief operating officer of Anderson Brothers Bank, who “studied the act in detail and shared his knowledge” with other Palmetto State bankers, Erwin said.
m essage
Erwin, for his part, was quick to spread the credit around.
6 SUMMER 2020 • PALMETTO BANKER
The entire SCBA extended family pulled together to help, with bankers assisting each other on how to handle both the pandemic and the Paycheck Protection Program, Erwin said. The guidelines for the latter, at least initially, were changing on an almost-daily basis.
“I never once saw him show or express any frustration about not being able to do the things previous chairman had been able to do, such as host an annual meeting or go on the Washington trip,” Morrow said. “He handled it like a professional.”
Green, who was a longtime banker before taking over as president and CEO of the Bankers Association, said Erwin’s tenure brought with it some unique opportunities.
Erwin assess one of the most turbulent years in SCBA history? With a great deal of pride.
“And it wasn’t just bankers on the calls; we had regulators on there, as well,” he added. “The fact that regulators were listening in was helpful, both for the bankers and the regulators.”
“I would say that initially it was a shock being thrown so quickly into the situation of having to help our customers keep so many employees on their payrolls,” Erwin said. “We had to carry our customers and our communities on our shoulders, but we did it.”
“It’s a heavy load. Much is expected of those to whom much is given, but it’s a great honor,” Bennett said.
“I’m not sure that there’s a banker in South Carolina who’s more involved across the state,” he said. “He’s a person of great prominence outside of banking as well as inside the industry.”
C over s tory
James Bennett remembers clearly when he made the decision between work and play.
“After the game she said to me, ‘If you want to try and make a living playing basketball, I’ll support you 100 percent. But if you don’t think you can make a living playing basketball you need to go to work.’ So I went to work at age 14,” Bennett said. “I went and found a job at Weiner King and I’ve never been unemployed a day in my life since then.”
DURING TIME OF CHANGE Bennett Embraces Leading SCBA
Sharon Bryant, regional executive vice president for First Citizens Bank and a former SCBA chairman, said Bennett is the ideal choice to represent South Carolina as chairman of the Bankers Association during these trying times, and she’s excited about the positive impact he’s going to make across the state.
He was 14 years old, and his grandmother, who raised him, laid it out following a junior varsity basketball game.
In July, he was named chairman of the South Carolina Bankers Association, the first African-American to hold the position. He is the only African-American state banking association chairman at present in the country and one of just a handful in the history of the industry.
“James has shown himself to be a great banker and a great community leader; his being chosen as chairman has nothing to do with the color of his skin,” Erwin said. “He’s an outstanding banker and he’s earned the right to lead us.” Bennett’s scope goes beyond banking, Erwin added.
For the past 36 years, Bennett’s occupation of choice has been banking. He’s worked at a number of Palmetto State institutions, including Bankers Trust of South Carolina, Republic National Bank, South Carolina Community Bank, and for most of the past 26 years, First Citizens Bank. Today, Bennett is an area executive for First Citizens, overseeing 30 branches, ranging from Camden to Augusta, Ga.
Bennett’s accomplishments demonstrate that he deserves the opportunity to preside over the SCBA, said Sam Erwin, the immediate-past chairman of the SCBA and South Carolina regional president for First Horizon Bank of Tennessee.
SUMMER 2020 • PALMETTO BANKER 7
“I couldn’t be more proud for James to be serving as chairman of the South Carolina Bankers Association,” she said. “Having worked in banking for 36 years, he’s highly knowledgeable of the unique challenges
“Right after we received the final tally of votes electing James as Bankers Association chairman, I called him to offer my congratulations, and we shared a number of life stories,” SCBA President and CEO Fred Green said. “One of the common themes we discussed was how we had both worked hard throughout our careers. The difference is James faced barriers that I didn’t.”
Bennett’s grandmother also told him he had the potential to go into finance.
Bennett would spend three years at Bankers Trust before moving on to Republic National Bank, where he met the man who become a mentor to him: Jim Apple.
Bennett’s introduction to banking came at a young age, while attending Pee Dee Baptist Church in his Hometown of Cheraw.
“Seeing how I was completing my final summer classes in order to graduate and I didn’t have a job, I didn’t think twice about calling Julian up,” Bennett said. “The next thing I know I had an interview and then I was in Bankers Trust’s management training program.”
“Kids grow up with a lot of dreams, wanting to be a fireman, or a pro athlete or a policeman, but Deacon Ellerbe showed me I could work at a bank, too,” Bennett said. “I had never wanted to be a banker, but after that, I knew I could be one because of Deacon Ellerbe.”
At that time, many job interviews were done on campus, and as a political science major it would have been difficult for Bennett to get an on-campus interview with a bank, he said.
Ellerbe worked for First Citizens in Cheraw, which was where Bennett opened his first account when he was 13 years old.
“The thing was, Deacon Ellerbe was the custodian at the bank, but he took such pride in his job that he was the face of the bank within our community,” Bennett added, confirming that people bank with people and prefer to bank with people that they can relate with.
C over s tory our industry and customers are facing, and he’s acutely aware of how customer behavior is evolving.”
Bennett got his start in banking because of a chance meeting with a Columbia banker. During his time at the University of South Carolina, he served as an intern in the university president’s office. As he was finishing his work toward his degree in the summer of 1983, he was assisting at a university program in which low- and middle-income students visited the school.
“In Cheraw, our link to banking was through the deacon of our church, James Ellerbe,” Bennett recalled. “Deacon Ellerbe worked at the bank; he wore starched khakis and had his name sewn on his shirt, and he was highly regarded within the church. When anyone in the church needed something, say a loan for a car, they didn’t go to the bank, they went to Deacon Ellerbe.
From UofSC to Bankers Trust of S.C.
During the program, Bennett happened to strike up a conversation with Julian Turner of Bankers Trust of South Carolina.
“As we were parting, Julian said to me, ‘If you ever need anything, give me a call,’ and he gave me his card. He probably didn’t think anything of it,” Bennett recalled.
“My grandmother told me, ‘If you keep your nose clean maybe you can get a job down at the bank, like Deacon Ellerbe,’” he said. “James Ellerbe was the first black face that I saw at any bank.”
Apple, who would later serve as chairman of the SCBA, worked with Bennett at
Bennett recognized that he had a load to shoulder but relied on one of his pastor’s maxims: “when life gets heavy, it’s not the load that breaks you down, it’s the way you carry it.”
“To Jim’s credit he made sure that everyone that I was going to work with was prepared to receive me,” Bennett added. “Too often, companies hire people and throw them into unfamiliar situations and expect them to succeed. Jim knew that me being the first high-level African-American hire in the bank’s history could have its challenges, and he made sure that I had everything I needed to be successful.”
Through the Paycheck Protection Program, which began in April as part of the CARES Act, participating South Carolina banks closed $5.7 billion in loans in a little more than 90 days. Many South Carolina institutions that handled PPP loans were swamped with work, with some bankers working for three weeks or longer without a break.
Bennett’sCitizens.other
Seeing Opportunity in Adversity
Bennett succeeded to the position of SCBA chairman at a time of tribulation. The COVID-19 pandemic prevented the Bankers Association from not only holding in-person board meetings but forced it to cancel its annual meeting earlier this year for the first time in the 120-year history of the organization. In addition, South Carolina has not been immune from the social turbulence that has riven the nation during the past few months.
“Jim was one of the first outside upper management hires at First Citizens, and his first hire was me,” Bennett said. “What he was doing was preparing the bank for a different type of banker.
as its first high-ranking African-American, and doing a mediocre job wasn’t in the cards as far as I was concerned. Everyone who was to come after me needed me to do a good job.”
“I had an obligation,” Bennett said, “both as one of the bank’s early outside hires and
Bennett’s hard work paid off. In 1998, he was named the SCBA’s Outstanding Young Banker, becoming the first AfricanAmerican to be recognized with the honor. Two years later, he was named chief executive officer of South Carolina Community Bank, the state’s only AfricanAmerican-owned institution, where he served for two years before returning to First
accomplishments include helping First Citizens start its Community Banking Division, assisting in the operation of Capitol City Bank, an Atlanta-based African-American bank acquired by First Citizens in 2015, and serving on numerous boards, including Dominion Energy, and serving as chairman of the board of Claflin University, one of the state’s premiere HBCUs (historically Black colleges and universities) and former chairman of the Columbia Urban League.
Republic for seven years until it was acquired. After the deal, Apple joined First Citizens, and a short time later, recruited Bennett to the bank.
If that weren’t enough, banks across the nation were challenged by the Coronavirus Aid, Relief, and Economic Security (CARES) Act, designed to expand the access and availability of loans to struggling small businesses.
SUMMER 2020 • PALMETTO BANKER 9
The reason we all need to think about race is to avoid unintended consequences such as not fully understanding large segments of a bank’s market, for example, Bennett said.
“You need me to think the way that I think so I can bring a different perspective, just like you need Hispanics, women and white males because of the way they think. That is true diversity. None of us are any better or any worse than our life experiences,” he said. “We all bring different perspectives, and that’s good and that’s important.
Within the industry, institutions need to ensure that they are taking inventory to make certain all employees can navigate the system, Bennett said.
C over s tory
It was Bennett who came up with the idea of having SCBA members join together on conference calls to get updates on the PPP program, said Erwin, the immediate past chairman of the SCBA. On some calls there were more than 200 bankers listening in, and the joint effort proved beneficial to bankers and, ultimately, customers.
“One might consider me taking over as the first African-American chairman of the South Carolina Bankers Association during a pandemic and period of social unrest as a negative,” Bennett said. “I don’t see it that way; I see it as a huge opportunity.”
None of the above has fazed Bennett.
“It’s not enough to hire a senior vice president of lending who is AfricanAmerican; you have to make sure they are given the tools to succeed,” he said.
“I’m optimistic about the future, both of our state and of our industry,” he added. “Change doesn’t come easily, but that doesn’t mean it’s not worth the effort.”
“If we would just put ourselves in the other person’s shoes, we would be a lot further along. Do unto others as you would have others do unto you, in other words,” Bennett added.
James A. Bennett
“Very little can change in this country without the involvement of white people of good will.”
Bennett believes change is needed and peaceful protest has been a hallmark for change in America. We must fight for those things that are important and convince others to join us along the way.
Just as importantly, Bennett believes there has never been a better time to affect societal change. He recognizes, however, that such transformation doesn’t come quickly or easily. “Change doesn’t happen overnight. It’s, at a minimum, a five- or 10-year process,” he said. “However, we now have a window of opportunity that we’ve never had before.”
Position: Area Executive, First Citizens Bank Age: Hometown:59 Cheraw Education: Bachelor’s degree, Political Science, University of South Carolina Family: Wife, Cynthia; two sons
One of the integral aspects to making change happen, Bennett said, is helping whites to see the role race plays in society.
10 SUMMER 2020 • PALMETTO BANKER
“Black people think about race every day. Many white people think the racial issues of the past are behind us, but recent events have shown otherwise,” he said. “Whether we’re white or black, if we think about the world through someone else’s eyes it can help make the world a better place.”
Copyrighttime.
Assess risk, locate new partners to strengthen your supply chains, and analyze new trends.
Commercial Prospecting Mapping Tool
To learn more about us, spglobal.com/marketintelligence/envisit /
Our team at S&P Global Market Intelligence want you to be as informed as possible so you can address new business challenges and volatility head-on. Count on our industry-leading data to guide you through your next critical decisions.
Monitor credit risk indictors of your current portfolio
Credit Risk Management Tools and Perspectives
Here are some tools that our clients have found to be imperative resources:
Visualize commercial real estate lending and business development opportunities in our powerful Maps application.
Supply Chain and International Trade Intelligence
We are here to help.
Monitor and benchmark against the new realities of leveraged loan and high yield bond markets.
Our Latest Analysis on the Impact of COVID-19 on Banks
Leveraged Loan Commentary and Data Research
Analyze the Impact of COVID-19 with our Trusted Data Insights
Reference our data insights on the global response to the coronavirus as you evaluate risk and monitor market changes.
Our team is here to help you assess the shifting landscape. We're all in this together.
Leverage daily dashboards to monitor leading indicators of credit quality at your institution and analyze near and longer-term pricing levers to help stabilize your margin and net income.
The Impact of COVID-19 has lead financial firms to assess and adjust their business continuation plans. S&P Global Market Intelligence offers news, data, analytics, and web-based/mobile tools to give you the essential intelligence you need during this unprecedented
We're tracking across industries, capital markets, supply chains, and governments to bring you what's essential in the changing landscape. To learn more about our Banking Essential Tools please go banking-essentialsspglobal.com/marketintelligence/en/topics/to
© 2020 by S&P Global Market Intelligence Inc. All rights reserved. No content, including by framing or similar means, may be reproduced or distributed without the prior written permission of S&P Global Market Intelligence or its affiliates. The content is provided on an “as is” basis.
Track macroeconomic impacts on credit risk and conduct analysis on probabilities of default.
community leaders, which means you run toward a challenge, not away from it. So as fraught as the situation may feel, ABA is engaging in an open dialogue of how the banking industry, both as employers and as facilitators of wealth creation, can further the principles everyone agrees on: That all Americans should have a truly equal opportunity to prosper and that economic inclusion is essential to creating such opportunity.
ABA is tapping the experiences of these banks and leveraging the expertise of our own staff experts on diversity, equity and inclusion to provide others with tools and
THE
Is racism baked into our nation’s systems of justice, health and education, or are there disproportionate correlations between race, poverty and crime? Are people too quick to accuse others of racism, or are those in positions of power too slow to recognize their role in perpetuating racial inequities? Is it fair that I posed these as either/or questions, or is all of the above true?
SUMMER 2020 • PALMETTO BANKER 13 a B a U P date
This is all to say that both ABA and the industry have a strong foundation upon which to build. And build we must. Unacceptable racial disparities in health, wealth, income, education and other measures of opportunity continue to grow—and the pandemic has laid bare these disparities. Proportionately, two and half times more Black Americans have lost their lives to COVID-19 than white
Bankerssolutions.are
Challenge RUNNING TOWARD
so must the solution. Others may think they’ve done all they can, to either great or limited effect. But we are an industry that in recent years has developed entirely new ways of banking, and in recent months demonstrated remarkable fortitude and commitment to serving our customers through the pandemic. There is more we can—and must—do to address disparities and promote prosperity for all.
Implicit in this discussion is the belief that we each have a role to play in addressing longstanding inequities. Some may feel the problem lies elsewhere— in another community, city or state—and therefore
WeAmericans.cannot shrug our shoulders and declare these inequities someone else’s problem. We cannot fail to engage. We are bankers, we are civic leaders and we must be part of the solution.
Rob Nichols, President and CEO American Bankers Association nichols@aba.com
Many banks recognized this long before the pandemic hit and disproportionately harmed Black Americans, and long before the nationwide protests over the killing of George Floyd and others. Some in recent years have built rigorous diversity, equity and inclusion programs that are both inward facing (focused on employees) and external facing (focused on customers, communities and vendors). Some have pioneered new ways to qualify borrowers and bring those who have been marginalized into the banking system. We celebrate them every year with the ABA Foundation’s Community Commitment Awards. Still others have partnered with Minority Depository Institutions and Community Development Financial Institutions to share compliance resources, expertise and more to better enable those institutions to meet the needs of their often underbanked customers.
While issues surrounding racial justice and inequities are demanding the nation’s attention, honest conversations seem too perilous to hold because of the way some frame the debate as binary. But that ignores the vast common and principled ground on which we all stand and distracts from a focus on meaningful
resources to make a difference at their own institutions. A new peer group for institutions with robust DE&I programs met for the first time in February and is helping us identify leading industry practices in this space that we can share with members. In April, we convened our Diversity, Equity & Inclusion Advisory Group, which is composed of individuals from banks of all sizes and whose mission is to help us nurture bank DE&I efforts. I was also pleased to announce a strategic partnership this year with the National Bankers Association, the leading trade association for MDIs, to promote the health and well-being of underrepresented communities. And we are collaborating with and promoting MinBanc, which reimburses educational and professional development expenses of MDI bankers.
Get Out and Vote
Whichevercommunities.waySouth
Election Day is November 3rd and this election promises to be a significant one, not only due to the races on the ballots and the anticipated increase in voter participation, but also because the way we vote will be substantially different. All ballots will have the presidential race, along with the race for Sen. Graham’s U.S. Senate seat, and voters will also vote on their respective Congressional seats and their South Carolina Senate and House seats. Add to these ballots numerous local elections and you can see that November 3rd will be a big day in South Carolina and that those that are elected will have a great influence on banking. Yet with the COVID-19 pandemic, how we vote and when we can cast our vote will also be different this year.
Finally, SCBA urges all of its member banks to support Get Out the Vote campaigns and encourage all of their bankers to vote. Educate your bankers on important issues and how they can vote or register to vote if they aren’t registered. An excellent voting and issue resource for bankers is the American Bankers Association’s site Secure American Opportunity (https://secureamericanopportunity.com/). SCVotes.gov is also a good resource for South Carolina’s election information such as voter registration, election and candidate information, voter education materials, as well as the absentee voting methods mentioned above.
Carolinians choose to vote this year, the fact is that voting is important and this election will have significant impact on the nation, South Carolina, and our banks. Take the time to educate yourself with the materials and sites mentioned in this article and then get out and vote – or, this year, mail it in.
office to vote absentee before November 3rd and, of course, you can still vote in-person at your precinct on November 3rd. Officials are already seeing a high demand for absentee voting and expect for it to increase through October. So act on your request now.
Bankers’ voices need to be heard at the polls on November 3rd to insure that we have elected officials that support banking. Our elected officials have considerable impact on the laws that govern banking and it is essential that bankers get out and vote for those that support us. Elected officials that support banking don’t support it just for their local banks – instead they support their local banks because of the positive impact these banks have on their customers and
H5305 also allows absentee voting by mail for the 2020 election. To do this, simply go to the South Carolina Election Commission’s website, SCVotes.gov, to get your application; complete it, mail it to your local election office at least two weeks before the election, and then your ballot will be mailed to you. Fill out your ballot, have a witness sign the ballot envelope, and then mail it back to your local election office. Ballots returned by mail should be mailed no later than one week prior to Election Day to help ensure timely delivery. You can also still go to your local election
SUMMER 2020 • PALMETTO BANKER
Due to the pandemic, many voters and public officials have concerns about in-person voting and South Carolina does not have voting by mail. In response to this, the General Assembly passed, and Governor McMaster signed into law, H5305. This law expands absentee voting to include the present state of emergency as a reason to vote absentee –but this reason only applies to the 2020 General Election. In other words, voters who choose to vote absentee for the General Election can simply check the box on the absentee application that says “State of Emergency” as a reason they are voting absentee.
ABOUT OUR PREFERRED VENDOR PROGRAM
• To save your bank time by bringing a product or service to the table immediately.
• To save your bank’s resources, as Preferred Vendors can often serve as an extension of your staff.
We've got you covered!
South Carolina Bankers Association
• To produce revenue for your bank by offering expertise, convenience and efficiencies.
GOALS OF OUR PREFERRED VENDOR PROGRAM
As banking continues to undergo dramatic developments, we must look for ways to help our members retain business, offer first rate service, and increase revenue. The mission of SCBA Services, Inc. is to recognize the unique needs of our bankers, and to review and recommend products and services, which could help make community banks more profitable and efficient. Each of our partners provide top quality services, offer generous benefits, and can add value to your institution.
• To save your bank money, as Preferred Vendors offer discounted member pricing.
SUMMER 2020 • PALMETTO BANKER 15
carolynbradley@scbankers.org803.779.0850
We are proud to partner with the companies listed on the following pages and are so very grateful for their support of the South Carolina Bankers Association and our members. For more information, please contact: Carolyn Laffitte Bradley
Sherry Burick, Regional Sales Director 336.245.2261 | sherry.burick@cbiz.com Cassie Shaw, SC District Manager 864.787.7165 | cassie.shaw@cbiz.com www.cbiz.com
BankTalentHQ allows you to recruit and retain the best talent for your team, simply by posting your jobs on this newly launched national job board. In addition, BankTalentHQ has partnered with TopUSAJobs, which automatically posts to 100+ job boards with a single submission. This expands your reach and draws in more qualified candidates.
Allow CBIZ to create a system customized for your needs reducing spreadsheets and increasing efficiencies. SCBA members are eligible for an in–depth payroll analysis at no cost and special rates, contact us today for details!
• Exclusive to the financial services industry
• One point of contact for all your payroll, HR, tax and reporting needs.
• HR resources
CBIZ PAYROLL & HR SOLUTIONS
• Make your jobs easy to find
Experience CBIZ’s payroll and HR platform that consists of a full-suite Human Capital Management (HCM) cloud solution delivering end-to-end employee lifecycle management for the entire workforce. Its comprehensive toolset integrates HR, time and attendance, payroll, scheduling, and more for managing and nurturing an organization’s most valuable asset from pre-hire to retire.
• Multiple ways to process: phone, e-mail, or PC-based payroll with real-time access to your data. We create a solution designed for you!
• HRSolutions Service with an expanded handbook builder that assures compliance in all 50 states, Online HR audit checklist to quickly assess HR compliance risks and Unlimited usage of a Live Hotline.
BankTalentHQ EMPLOYMENT ADVERTISING
Brian Hoffman, President info@banktalenthqcom217.789.9340 www.banktalenthq.com 16 SUMMER 2020 • PALMETTO BANKER
BankTalentHQ is the premier talent management site for financial industry careers, brought to you by an alliance of state banking associations working together. Whether you are looking for a job with a financial institution, a service provider or a regulator, or you are an employer with a position to fill, BankTalentHQ is here to help you find what you need!
MEMBER BENEFITS
• Engage job seekers
• Special pricing and discounts for SCBA members!
MEMBER BENEFITS
• Attract qualified applicants
• Develop employees with Career and Sales Coaching
• A fully integrated cloud based HRIS Platform that includes Applicant Tracking, Benefit Administration, Performance Management, Timekeeping components with configurable Workflows and Electronic Personnel files all in one system.
• Affordable Care Act (ACA) and Paycheck Protection Program (PPP) reporting with tracking tools. Dedicated ACA and PPP specialists at CBIZ.
• Cost effective often 20-50% less than other national payroll vendors.
CRA Partners offers a compliance solution powered by the Senior Housing Crime Prevention Foundation. Since our inception in 2000, we have helped banks across the country earn meaningful CRA credit for ensuring safe senior living environments through our turnkey crime prevention program, Senior Crimestoppers. Funded exclusively by the banking industry and endorsed by bankers associations in 30+ states, Senior Crimestoppers protects low- to moderate-income seniors living in senior housing facilities, HUD communities and state veterans homes from theft, abuse and neglect.
The hundreds of bank partners we’ve worked with have seen the impact of their funds firsthand. Our flexible funding options make it simple for banks to get involved through a community development loan, community development investment, or a grant – it all depends on your bank’s CRA needs.
SUMMER 2020 • PALMETTO BANKER 17
• Detailed LMI documentatin for CRA exam
Shea Gabrielleschi, Vice President, Southeast Region Shea.Gabrielleschi@SHCPFoundation.org901.831.4138 www.SHCPFoundation.org
DDI Technology TITLING AND REGISTRATION SERVICES
MEMBER BENEFITS
• Complete consolidation of titling and registration services
DDI Technology is an industry leading developer of electronic lien and titling interfaces for financial institutions nationwide. Our Premier eTitleLien® solution enables your Loan Operations team to streamline processes, improve reporting and manage exceptions within a simple, user-friendly application. Additional system features include tracking and auditing reports, extensive workflow and communication channels, user level customization and loan platform integration. Trust DDI’s Premier TRS ™ solution for handling title processing in all 50 states, including paper title storage, while providing exceptional customer service.
• Easy-to-use, yet feature rich application
• Multiple integration and automation options to include uploads and bulk lien releases
Todd Phillips, Director of Sales
• CRA-qualified loan, investment and service test credit
• Improved exception handling via auto-perfect process to minimize staff involvement
• Complete customization and flexibility to meet your title process needs
todd.phillips@dditechnology.com803.808.4937 www.dditechnology.com
CRA Partners COMPLIANCE
• State library provides built-in forms and state specific information
• 100% turnkey solution, no administrative burden
MEMBER BENEFITS
• Flexible, low-risk funding options
MEMBER BENEFITS Be very customer-focused Adapt rapidly to change Focus on the vital few initiatives that will have the greatest positive impact Make fact-based Develop and engage to
Ourproviders.Performance
•
Fitech provides comprehensive electronic transaction processing services to community banks throughout the United States. We own and operate our call center, risk and underwriting teams, product deployment center and data facility, so that we may bring new solutions to market quickly, incorporating best-in-class security technologies and tools with each solution. In addition to credit and debit card processing, Fitech offers an all- in-one small business product suite that integrates with existing digital banking channels. Our innovated line of business solutions includes:
www.hardlandclarke.com
•
Harland Clarke is a leading provider of quality payment solutions, multi-channel marketing campaigns, and secure data-driven lead generation and critical communications. In addition, Harland Clarke provides promotional products, call centers, and governance, risk and compliance (GRC) solutions.
Fitech Payments MERCHANT SERVICES PROVIDER
employees
Matt Mingenback, Vice President of Sales 316.518.8850
18 SUMMER 2020 • PALMETTO BANKER
mmingenback@fitech.com www.fitech.com
Our team, comprising fintech experts, IT professionals, community banking stakeholders and customer service leaders, is passionate about the work we do and the role we play in helping our partners meet—and exceed— their business goals. Fitech, endorsed across 38% of the country, is headquartered in Fort Worth, Texas.
Fitech is the leading merchant services provider in the nation and is committed to serving the unique needs of community banks. We believe that immeasurable value exists in personal relationships and strive to provide our bank partners with the innovative products and superior customer service needed to keep merchants competitive in today’s payment technology market.
Christine Christine.Ahlgren@harlandclarke.com678.500.5330Ahlgren
Harland Clarke PAYMENT SOLUTIONS
MEMBER BENEFITS
The company delivers operational excellence and intelligent solutions to more than 50 million consumers and 5 million small and medium sized businesses per year through its relationships with 8,500+ of the nation’s leading financial institutions, large retailers, affiliate marketing companies and accounting software
Excellence business model serves as the foundation for all we do. Based on the Baldrige Criteria for Performance Excellence, this approach helps us deliver ever-improving value to our clients, customers, employees, and other stakeholders, contributing to organizational sustainability and personal success.
•
•
decisions •
deliver our plans • Continuously improve our processes and performance • Create a perpetual drive for sustainable growth • Countertop Terminals • EMV and Contactless • Point-of-Sale Systems • Mobile Solutions • ATM Services • E-commerce • Virtual Terminal • ISV and IntegrationData • 24/7 CustomerAward-winningSupport • Comprehensive Stateof-the-Art Online Reporting
• Review of existing BOLI and nonqualified benefit plans
• International risk management consulting and insurance brokerage services.
• Preferred broker with all national as well as key regional insurance companies.
• Bank-Owned Life Insurance (BOLI) expertise
• Tailored executive benefit plan design
MEMBER BENEFITS
• Seamless approach from design to implementation
SUMMER 2020 • PALMETTO BANKER 19 Mac mac.humphries@hubinternational.com803.227.4827InsuranceHumphriesAdvisor www.hubinternational.com
executivebenefits.nfp.com
KeenanSuggs/HUB International INSURANCE & FINANCIAL SERVICES
• Premium volume provides negotiating leverage with insurance companies.
MEMBER BENEFITS
• Administration solutions for BOLI and nonqualified benefit plans
HUB International, Inc. is a leading global insurance brokerage headquartered in Chicago, IL. Listed as the 5th largest insurance brokerage in the world, HUB offers a broad array of property and casualty, employee benefits, personal lines, investment and risk management products and services, HUB also brings unmatched global capabilities to clients contemplating business across the globe or who are already doing business outside the U.S. Our teams work in partnership with clients to leverage our firm’s expertise and resources.
HUB delivers global resources to help you run your business more effectively. Our Regional HUB operating structure enables us to focus on local service and respond quickly to changing market conditions.
Glenn Blackwood, Managing Consultant glenn.blackwood@nfp.com561.798.5620
*A Registered Representative of Kestra Investment Services, Inc.
NFP Executive Benefits, (“NFPEB”) an industry leading insurance broker with 1,250 BOLI clients, is uniquely qualified to help banks achieve their key financial goals, manage benefit liabilities, and enhance shareholder value through market-leading knowledge, tailored executive benefit plan design, bank-owned life insurance (BOLI) expertise, and BOLI administration solutions. NFPEB is a Preferred Vendor of the SCBA and has the exclusive endorsement of the American Bankers Association for the implementation and administration of both BOLI and executive and director benefit plans. To learn more about our services and products, contact Glenn Blackwood * at 561.798.5620, Joe Schaefer at 786.566.9423, or visit executivebenefits.nfp.com for more information.
• Local insurance professionals supported delivering global resources.
NFP Executive Benefits BANK OWNED LIFE INSURANCE
• Free, next-day delivery on orders over $50, depending on your location
MEMBER BENEFITS
• For miscellaneous items outside the core and custom-tailored list you can choose any other product in the Business Services Division full line catalog at 10% off retail published prices (excludes technology products).
Danny
Office Depot OFFICE SUPPLIES
Office and banking supplies, print/copy services, furniture, promotional products and more!
• Your own customized list of up to an additional 940+ items using the same steeply discounted pricing matrix as the core list.
• Build multi-million-dollar relationships
• Buy and sell loans
MEMBER BENEFITS
• Manage liquidity
• Purchase funding
Limits, other terms, and conditions apply. Cash Sweep, ICS, CDARS, IND, Bank Assetpoint, and Yankee Sweep are registered service marks, and Power of Many is a service mark, of Promontory Interfinancial Network, LLC. The Promnet Repo service is provided by Assetpoint Financial, LLC, wholly owned subsidiary of Promontory Interfinancial Network, LLC, of FINRA SIPC.
a
Isaac Mares, Lead for Nat’l GPO Programs, Office Depot Business Solutions 855.337.6811 x.12878 Isaac.Mares@officedepot.com https://business.officedepot.com/banksignup 20 SUMMER 2020 • PALMETTO BANKER
The
and a member
• Grow franchise value with reciprocal deposits
Promontory Interfinancial Network offers a wide range of flexible funding solutions to help banks of all sizes meet planned or unexpected demands, regardless of their liquidity position. Thousands of banks choose the company’s solutions, whether seeking core or brokered deposits, retail or wholesale funding, fixedor floating-rate pricing, overnight or term options, or millions or billions of dollars. Funding is available without credit lines or ongoing collateralization and banks can easily switch back and forth between funding options. Turn to the company with the largest bank network of its kind for your institution’s funding and liquidity management needs.
Promontory Interfinancial Network, LLC FINANCIAL SERVICES
Insured
and
• Discounts up to 80% off Manufacturers Suggested List Price on a core list of 940+ frequently ordered products featuring many high use commodity items.
Capitel, Regional Director 866.776.6426 ext. dcapitel@promnetwork.com3476 www.promnetwork.com
• Online resource for college funding options
MEMBER BENEFITS
• TRAC TM is SBS’ integrated cybersecurity risk management software that simplifies the risk management process and allows users to make more informed security decisions.
South Carolina Student Loan NON-PROFIT EDUCATION LENDER
• No origination or application fees
Power:Ed 803.612.5046
SUMMER 2020 • PALMETTO BANKER 21
sfisher@scstudentloan.org
SBS CyberSecurity, LLC (SBS) is a premier cybersecurity consulting and audit firm that empowers customers to make more informed security decisions and trust the safety of their data. Since 2004, SBS has been dedicated to assisting organizations with the implementation of valuable risk management programs and to mitigating cybersecurity risks. The company has provided cybersecurity solutions to thousands of organizations across the United States and abroad, including financial institutions ranging in asset size from $12 million to over $130 billion. SBS delivers unique, turnkey solutions tailored to each client’s needs, including risk management, auditing, and education.
• SBS network security services include penetration testing, vulnerability assessment, social engineering, cybersecurity audit, and more.
• Fixed rates
• Uncompromised service
Jenny
Beck, Account Executive jennifer.beck@sbscyber.com615.440.6066 www.sbscyber.com
SBS CyberSecurity SECURITY & CONSULTING
MEMBER BENEFITS
Director
• SBS consultants assist organizations in building and maintaining a valuable, comprehensive, and repeatable information security program (ISP). Consulting services consist of digital forensics, security awareness training, incident response planning, vendor management, and vCISO services.
Sara B. Fisher, of
South Carolina Student Loan (SCSL) is the only statewide, non-profit education lender, dedicated to making higher education possible for those needing extra financial help to go to college. For those who have finished their education, SC Student Loan also offers graduates in the workforce a loan to refinance their student debt into one loan. We provide programs of financial assistance to enable eligible students and parents to pursue and obtain their educational goals. We will administer these programs with a high degree of professionalism, fiscal integrity, administrative accountability and excellent service. We aim to enhance the relationship you have with your customer and increase loyalty to your bank.
• Over 40 years helping students attend college
• Flexible repayment options
www.scstudentloan.org
• Strengthened partnership between the bank and customer
• SBS is a leading provider of cybersecurity education in the financial industry. SBS provides a unique series of role-based cybersecurity certifications that offer industry-specific information security awareness and risk management skills to employees that will create confidence with examiners and auditors.
• Online loan applications
• SBS’ IT audit is tailored to the size and complexity of each organization, providing a personalized experience from start to finish. An SBS audit is riskbased and goes beyond simply checking boxes on a list, reviewing your ISP for both compliance and adequacy.
• Compliance is managed by ServisFirst, which holds all the outstanding balances
• More effective marketing campaigns to grow business and reduce redundant expenses
ServisFirst Bank offers a turn-key agent card program that allows banks to issue credit cards to their customers, both commercial and retail, with their bank’s logo. With this program, ServisFirst offers innovative product offerings, customer service and transparency on pricing. ServisFirst provides a simple, straightforward program that includes credit card marketing and portfolio management services at no cost to the member bank. ServisFirst Bank is a full-service commercial bank focused on commercial banking, correspondent banking, cash management, private banking and the professional consumer market, emphasizing competitive products, state of the art technology and a focus on quality service. The bank offers sophisticated cash management products, internet banking, home mortgage lending, remote deposit express banking, and highly competitive rates.
• Cardholder support is provided 24/7
S&P Global Market Intelligence DATA & ANALYTICAL TOOLS
• Less time spent on board and regulatory reporting for greater focus on revenue
• Improved credit administration with faster identification of high-risk loans
• Bank customers can choose from four types of cards, including a platinum benefits card and a cash back rewards card for both consumers and business customers
• ServisFirst Bank also offers a customized purchase card program, which allows a higher amount of control and monitoring for business owners
S&P Global Market Intelligence is a division of S&P Global (NYSE: SPGI), which provides essential intelligence for individuals, companies and governments to make decisions with confidence.
• Targeted customer profiles for greater, successful cross-sells
ServisFirst Bank FINANCIAL SERVICES
• Twenty percent of net profit is shared with the SCBA member bank
Tim
www.servisfirstbank.com 22 SUMMER 2020 • PALMETTO BANKER
Stacy Sheehy, Sales Executive stacy.sheehy@spglobal.com434.526.1978 spglobal.com/marketintelligence
MEMBER BENEFITS
• Loan and deposit cash flow analysis for improved balance sheet management
• The card program’s implementation fee will be waived for SCBA members that are also members of the American Bankers Association
MEMBER BENEFITS
At S&P Global Market Intelligence, we integrate financial and industry data, research and news into tools that help track performance, generate alpha, identify investment ideas, understand competitive and industry dynamics, perform valuation and assess credit risk. For community banks, we offer solutions to help bankers evaluate market opportunities, manage risk and maximize performance.
• Smarter personnel management to improve efficiency
• Banks have the option to guarantee declined accounts (after review) and receive 80 percent of net profit share
• Daily views into overall performance and operations of your bank vs. budget
Finney, Vice President, Correspondent Banking Officer 478.952.6497
tfinney@servisfirstbank.com
• Experienced, highly specialized advisors in all facets of banking management
Strategic Resource Management, Inc. COST SAVINGS & REVENUE GROWTH ADVISORY SERVICES
Since 2001, StrategyCorps has been the industry leader in providing modern retail checking solutions to hundreds of financial institutions, delivering its clients industry-leading gains in non-interest income generation, customer engagement and organic deposit StrategyCorpsgrowth.
Strategic Resource Management (SRM) is a consulting firm dedicated to giving banking institutions a competitive edge in the ever-advancing field of financial services. Aiming to provide data-driven guidance and long-term implementation strategies, SRM’s practice areas provide cost savings and revenue growth in areas such as vendor management, intelligent automation, and card portfolio optimization.
• Fair-market benchmark analyses using data from hundreds of peer institutions
SRM is proud to be a preferred vendor of SCBA and offers its members a no-cost assessment. How may we help you?
• Current market data around disruptive tech trends in payments and banking
• Non-disruptive, flexible, project-based engagements
RETAIL CHECKING SERVICES PROVIDER
develops and refines its solutions through its own consumer-oriented market research, allowing them to fully understand what consumers want in checking products. This research is complemented by its own information database tracking the financial performance of nearly 7 million checking accounts incorporating nearly a billion data points. From this foundation of knowledge, StrategyCorps then uses a mobile first approach in delivering its customer-facing solutions to optimize the retail checking experience.
StrategyCorps
• Customer-Friendly, Recurring Fee Income
MEMBER BENEFITS
SUMMER 2020 • PALMETTO BANKER 23 Dana Davis, Senior Vice President ddavis@srmcorp.com704.906.0440 www.srmcorp.com
• Retail Checking Performance Analytics, Benchmarks and Action Plans
• Prescriptive Market Research
• White-label Mobile App Product Delivery
MEMBER BENEFITS
SRM is comprised of a team of industry veterans whose depth of knowledge with a variety of vendors and institutions ensures an impartial and educated advisory experience. Led by industry-leading subject matter experts, a proprietary benchmarking database, and proven negotiating skills, SRM has provided more than 1050 financial institutions with vendor, payment, and opportunity solutions resulting in more than $3.6 billion in value.
www.strategycorps.com
• Prescriptive Design and Construction of Modern, Top Performing Checking Products
• Aligning and Simplifying the Checking Lineup with How Consumers Buy
Ryan ryan.harbry@strategycorps.com404.819.1438Harbry
• Enhanced Customer Experience beyond Banking Transactions
• In-demand, Consumer Appealing, Competitively Different Product Benefits
Why Travelers?
• Identity Fraud
• Surety
• Directors & Officers
FRAUD
• Property & Casualty
• We consistently receive high marks from independent ratings agencies for our financial strength and claims-paying ability.
• The Thumbprint touch pad is a small inkless fingerprinting device that leaves no residue on the finger or clothing.
Travelers has been insuring banks for more than a century. We offer insurance and risk mitigation services to help banks address a variety of exposures including:
• Kidnap & Ransom
• Employment Practices
• Fiduciary
• Our dedicated underwriters and claim professionals offer extensive industry and product knowledge.
• All Thumbprint materials are available at a nominal charge through SBAL, including touch pads, window and door decals, teller tent cards and statement stuffers.
Are bad checks making a dent in your profit margin? Check fraud costs financial institutions and their customers millions of dollars each year. The Thumbprint Signature Program can help your financial institution fight check fraud without inconveniencing your customers. The Thumbprint Signature Program was created by the Texas Bankers Association to provide a simple, effective and inexpensive method for preventing and deterring check fraud. The deterrent aspect of the program is its strongest advantage. Persons wanting to cash a check are asked to place an impression of their thumbprint on the face of the check using a small “inkless” touch pad which leaves no stain or residue on users or clothing. The procedure is quick, simple and clean. Criminals seeking to commit check fraud are unlikely to put their thumbprints on bogus checks. Those who are foolish enough to cooperate leave a positive ID that can be turned over to law enforcement to be used in cases where fraud is suspected. In many cases, law enforcement will not pursue a check fraud case unless they have this ID.
Thumbprint Signature Program DETECTION
with the times to become more than just an insurance carrier. Travelers Financial Institutions business has dedicated teams of underwriting and claim specialists with the local knowledge and expertise needed to understand the complexities of the banking industry. Travelers also works with clients to help provide education on emerging and potential risks, and to provide risk management tools and solutions to better prepare them for the future.
• Cyber Risk
• With offices nationwide, we possess national strength and local presence.
TravelersBondshasgrown
Carolyn Laffitte Bradley, Senior Vice President carolynbradley@scbankers.org803.779.0850 www.scbankers.org 24 SUMMER 2020 • PALMETTO BANKER Luis Lima, Account Executive LLima@travelers.com704.544.3704 www.travelers.com/business-insurance
MEMBER BENEFITS
• Many of your merchant customers may also benefit from the Thumbprint program, including a wide variety of businesses, such as casinos, grocery stores, convenient stores and many more.
Travelers Insurance INSURANCE SERVICES
• Financial Institution Bonds
• We’ve provided effective insurance solutions for more than 160 years and address the needs of a wide range of industries.
• Professional Liability
DIVERSITY IS ESSENTIAL FIND TALENT IN ALL THE RIGHT PLACES THROUGH OUR NEWEST PARTNERSHIP WITH AMERICA'S JOB EXCHANGE! DON'T WASTE ANOTHER MINUTE! HEAD TO WWW.BANKTALENTHQ.COM AND USE CODE AJESPECIAL AT CHECKOUT TO RECEIVE 20% OFF THE JOB POSTING PACKAGE OF YOUR CHOICE! EVERY JOB YOU POST WILL BE DISTRIBUTED TO One Stop Career Centers 2,500 state employment offices working directly with veterans and local job seekers for job placement Community Based Organizations - Over 4,500 public and private nonprofit organizations, many focused on specific diversity hiring JOFDAV & Disabled Persons Leading websites focused on assisting veterans and other job seekers with disabilities America’s Job Exchange Main & Niche Sites This includes americasjobexchange com and their network of sites that cater to veterans and individuals with disabilities
Bank of Travelers Rest
GrandSouth Bank
Optus Bank
Federal Home Loan Bank of Atlanta
CBL State Savings Bank
Othniel W. Laffitte, GrandSouth Bank and Young Bankers Division Board member is chair of this year’s event and Robert F. Dozier, Jr., First Reliance Bank and SCBA Board member is this year’s chair of the BankPAC committee.
Since SCBA’s main initiative is government relations it makes the most sense for the Young Bankers to get involved in the Association’s grassroots efforts. Last year, the Division hosted the first ever BankPAC Sporting Clays Tournament Fundraiser. It was a tremendous success and raised over $20,000. Join us again on Wednesday, November 18 at the Palmetto Shooting Complex in Edgefield, SC. This four-shooter team tournament promises to be a challenging and fun event for everyone. This is also a great opportunity to invite legislators to join us and strengthen relationships with SC’s lawmakers.
South Atlantic Bank
Steve H. Powell & Company
We appreciate those who have contributed as a sponsor! GRAND SPONSOR
Integrated Financial Solutions
As of September 25, 2020
CONTEST SPONSOR DDI Technology, an IAA company RECEPTION SPONSOR Fitech Payments REFRESHMENT CART SPONSOR Anderson Brothers Bank PRIZE SPONSOR Turner Padget Graham & Laney, PA
First Reliance Bank
First Citizens Bank
Haynsworth Sinkler Boyd, P.A.
Oconee Federal Savings & Loan
Gallivan, White & Boyd, P.A.
y o U ng B ankers d ivision 26 SUMMER 2020 • PALMETTO BANKER
The proceeds for this fundraiser allow the State BankPAC the opportunity to provide contributions to legislators who support the banking industry and the pro-business agenda in our state. PAC contributions also enable SCBA staff and bankers to have direct contact with legislators.
INAUGERAL BANKPAC SPORTING CLAYS TOURNAMENT FUNDRAISER: A Huge Success
IBERIABANK/First Horizon
If you are interested in becoming a sponsor for the 2020 event, please contact Carolyn L. Bradley or Donna S. Taylor at the SCBA office at 803-779-0850.
Employer HR Group
Ameris Bank
Enterprise Bank of SC
STAND SPONSORS
How may we help you? @SRMCorp | srmcorp.com
SUMMER 2020 • PALMETTO BANKER 27 2021 YOUNG BANKERS DIVISION ANNUAL CONFERENCE MARCH 19-21, 2021 THE OMNI GROVE PARK INN, ASHEVILLE, NC Save the Date Strategy. Simplified. Strategic planning for today’s financial institution. wipfli.com/fi-sp
SRM’s mission is to help clients adapt, survive, and thrive in response to change. We reduce costs, enhance revenues, and improve business processes for our clients — with $3.6 Billion in proven results since 1992.
Jeannette Perna South State Bank
Sharon Bryant First Citizens Bank
Brandi Grim First Citizens Bank
A Leader in Small Business Lending BDCofSC.org Many Thanks At the recent BDC & CDC Annual Meetings, the following awards were presented: » Participating Member Award for SBA 7(a) Activity in 2019 – South State Bank » SC CAP Top Participating Lender Award for 2019 – First Citizens Bank » SC SSBCI Loan Participation Top Participating Lender Award for 2019 – First Citizens Bank
SUMMER 2020 • PALMETTO BANKER 29 R E L A T I O N S H I P S C a p i t a l B u s i n e s s F u n d i n g b u i l d s r e l a t i o n s h i p s t h a t l a s t D o y o u h a v e a n e w o r e x i s t i n g c l i e n t w h o n e e d s a d d i t i o n a l w o r k i n g c a p i t a l t o e n s u r e t h e i r l o n g t e r m f i n a n c i a l s t a b i l i t y ? W e p r o v i d e f u n d i n g s o u r c e s t o f u e l a c o m p a n y ’ s g r o w t h a n d r e c o v e r y I n s t e a d o f a “ l o o k b a c k ” a t c a s h f l o w , w e l o o k f o r w a r d T o e x p e r i e n c e a l t e r n a t i v e f i n a n c i n g t h a t w o r k s , c o n t a c t C a p i t a l B u s i n e s s F u n d i n g t o d a y . W e a r e r e l a t i o n s h i p b u i l d e r s , n o t t r a n s a c t i o n a l l e n d e r s . C O L L I N D M A C K I E P a r t n e r & N a t i o n a l S a l e s M a n a g e r 8 6 4 4 1 4 1 7 3 9 c m a c k i e @ c b f u n d i n g c o m SAVE THE DATE 2021 SOUTH CAROLINA BANKERS SCHOOL July 11-16, 2021 | Lander University | Greenwood, SC SCBACampaignBankPAC DEADLINE – OCTOBER 31, 2020 Please towww.scbankers.org/bankpac/visitmakeyourcontributiontoday. Goal $79,310$85,000 Raised as of 9/29/20
Affordable Equity Partners
altLINE by The Southern Bank 220 King Street, Ste. 3C Charleston, SC 29401
Primary Contact: Mr. John C. Justice, Jr. Organizationaltline.sobanco.com(843)cjustice@sobanco.com323-8869Type:Lending/LeasingServices
A/R Funding
Primary Contact: Mr. Scott Chaffee Organizationwww.arfunding.com(864)schaffee@arfunding.com250-2107Type:Lending/LeasingServices
AaSys Group, Inc. 525 Lake Drive Virginia Beach, VA 23451
Appalachian Development Corporation
126 Millport Circle Greenville, SC 29607
Primary Contact: Ms. Jill Cacic Organizationwww.abrigo.com(512)jill.cacic@abrigo.com279-5715Type:ComplianceServices
AgFirst Farm Credit Bank PO Box Columbia,1499SC 29202
Firms
Primary Contact: Ms. Maribeth Corbett mcorbett@agfirst.com (803) 753-2418 www.agfirst.com Organization Type: Lending/Leasing Services
Adams and Reese, LLP PO Box Columbia,2285SC 29202
AgSouth Farm Credit, ACA PO Box Statesboro,718 GA 30459
Primary Contact: Ms. Ellen Vossbrink Organizationaepartners.com(573)evossbrink@aepartners.com443-2021Type:InvestmentBanking
Primary Contact: Mrs. Colleen Wynn Organizationwww.aasysgroup.com(540)CWynn@aasysgroup.com908-7608Type:ITServices
Organizationwww.agsouthfc.com(912)lhutchinson@agsouthfc.com764-9091Type:Lending/LeasingServices
Primary Contact: Mr. Matthew B. Hill Organizationwww.arlaw.com(803)matt.hill@arlaw.com212-4980Type:Law
We greatly appreciate ourASSOCIATE MEMBERS
12331-B Riata Trace Parkway, Building 4, Suite 200 Austin, TX 78727
Abrigo
168 N. Meramec Ave. #201 Clayton, MO 63105
30 SUMMER 2020 • PALMETTO BANKER
880 S. Pleasantburg Dr., Ste. 3E Greenville, SC 29607
Primary Contact: Mr. J. Connally Bradley
Organizationadcloans.com(864)cbradley@adcloans.com382-2358Type:Lending/LeasingServices
Primary Contact: Mrs. Lisa T. Hutchinson
SUMMER 2020 • PALMETTO BANKER 31
Bankers Healthcare Group 201 Solar Syracuse,StreetNY13204
Atlantic Merchant Services, LLC 1121 Situs Ct., Suite 375 Raleigh, NC 27606
Primary Contact: Ms. Melissa Whelan Organizationbankershealthcaregroup.com(315)melissa@bhg-inc.com559-7641Type:Lending/LeasingServices
ASSOCIATE MEMBERS
Primary Contact: Ms. Tammy G. Smith Organizationwww.arborone.com(843)tgsmith@arborone.com432-2322Type:Lending/LeasingServices
Primary Contact: Mr. David J. Tigges Organizationwww.burr.com(843)dtigges@burr.com785-2171Type: Law Firms
Banc Card of America 204 Bent Hook Way Greer, SC 29651
BankTalentHQ
Primary Contact: Mr. Nick D. Brown Organizationwww.banccard.com(864)nbrown@banccard.com680-0879Type:Card/MerchantProcessing
3201 West White Oaks Dr., Suite 400 Springfield, IL 62704
Primary Contact: Mr. David G. Wolff Organizationwww.barnesalford.com(803)david@basjlaw.com799-1111Type:Law Firms
ATM Response Inc. PO Box Suwanee,1743GA 30024
111 Executive Center Dr., Suite 225 Columbia, SC 29210
BlueCross BlueShield of South Carolina
Primary Contact: Mr. Guy M. Dabbs, IV Organizationbarnwell-whaley.com(843)gdabbs@barnwell-whaley.com818-4308Type:LawFirms
Barnwell Whaley Patterson & Helms, LLC
Primary Contact: Mr. Tony Webb Organizationwww.atmresponse.com(770)TWebb@ATMResponse.com855-2484Type:ATMServices
Primary Contact: Mr. Will Joseph Organizationwww.southcarolinablues.com(803)Will.joseph@bcbssc.com238-2068Type:InsuranceProducts/Services
Burr Forman McNair 1221 Main Street, Suite 1800 Columbia, SC 29201
Primary Contact: Mr. Brian Hoffman Organizationbanktalenthq.com(217)bhoffman@banktalenthq.com789-9340Type:HumanResourceServices
Primary Contact: Mr. Anthony S. Leggio office.aslsigns@gmail.com (516) Organizationwww.aslservicesmb.com644-7411Type:Graphic Design Services
ArborOne Farm Credit PO Box Florence,3699SC 29502
Barnes, Alford, Stork & Johnson, LLP 1613 Main Street Columbia, SC 29201
Primary Contact: Mr. Jerry Savage Organizationwww.atlanticmerchant.com(877)jerry.savage@atlanticmerchant.com947-1800Type:Card/MerchantProcessing
I-20 at Alpine Road AW - 222 Columbia, SC 29223
ASL Sign Services LLC 1802 Glens Bay Rd. Myrtle Beach, SC 29575
Primary Contact: Mr. Peter G. Shand Organizationwww.BDCofSC.org(803)PShand@BDCofSC.org744-0305Type:Lending/LeasingServices
Business Development Corporation/Certified Development Corporation
288 Meeting Street, Suite 200 Charleston, SC 29401
Primary Contact: Mr. David C. Lenoir Organizationwww.shcpfoundation.org(901)David.Lenoir@SHCPFoundation.org529-4786Type:CRACreditSolution
CenterState Bank 120 Club Oaks Winston-Salem,CourtNC27104
Primary Contact: Mr. Parker Grubbs Organizationhttp://www.centerstatebank.com877-604-8282pgrubbs@centerstatebank.comType:CorrespondentBanks
Primary Contact: Mr. David R. Bennett Organizationwww.centrant.org(984)david@centrant.org344-9992Type:CRA Credit Solution
Cadence Bank
Centrant Community Capital P.O. Box 19999 Raleigh, NC 27619
4194 Mendenhall Oaks Parkway, Suite 101 High Point, NC 27265
Organization Type: Payroll Services
32 SUMMER 2020 • PALMETTO BANKER
Primary Contact: Mr. Joseph R. Llewellyn, IV Organizationwww.compensationadvisors.com(678)jr.llewellyn@compensationadvisors.com427-1015Type:ConsultingServices CoSource PO Box Anderson,1946SC 29622
2800 Post Oak Blvd., Suite 3800 Houston, TX 77056
Primary Contact: Mr. Collin D. Mackie Organizationcbfunding.com(864)cmackie@cbfunding.com414-1739Type:Lending/LeasingServices
Primary Contact: Mr. Andrew C. English, III Organizationcallisontighe.com(803)drewenglish@callisontighe.com404-6967Type:LawFirms
Compensation Advisors
Callison Tighe & Robinson LLC 1812 Lincoln St, Ste 200 Columbia, SC 29201
Community Bankers’ Bank 124 Flint Point Lane Holly Springs, NC 27540
Colite International 5 Technology Circle Columbia, SC 29203
Primary Contact: Mrs. Sherry Burick (336)Sherry.Burick@cbiz.com245-2261 www.flex-pay.com
Primary Contact: Mr. Martin Brown Organizationwww.colite.com(803)mbrown@colite.com935-9041Type:Graphic Design Services
Organizationwww.cbbonline.com(919)rwashofsky@cbbonline.com368-0217Type:CorrespondentBanks
Primary Contact: Mr. Travis L. Avant Organizationwww.compasssouthappraisals.com(843)travis@compasssouth.com539-2400Type:AppraisalManagement
Primary Contact: Mr. Michael Holcombe
CBIZ Flex-Pay
Compass South Appraisals PO Box Walterboro,1766SC 29488
Organizationwww.cosourcellc.com(864)mholcombe@cosourcellc.com933-5268Type:InternalAuditOutsourcing
1671 Carriage Ridge Drive Greensboro, GA 30642
Primary Contact: Ms. Kathy Armstrong Organizationcadencebank.com(214)kathy.armstrong@cadencebank.com399-3968Type:CorrespondentBanks
CRA Partners 5100 Poplar Avenue, 11 Memphis, TN 38137
Capital Business Funding 84 Villa Greenville,Rd. SC 29607
Primary Contact: Mrs. Rose J. Washofsky
ASSOCIATE MEMBERS
Organizationwww.employerHRgroup.com(803)jard@employerhrgroup.com252-2566Type:HumanResourceServices
Organization Type: Law Firms
Primary Contact: Mr. H. Spann Laffitte, Jr. spann.laffitte@deltadentalsc.com (803)
Crawford & von Keller, LLC
Organizationwww.crescentmortgage.com(478)swillcox@crescentmortgage.net357-4441Type:MortgageSpecialists
Primary Contact: Mr. Skip Willcox
Primary Contact: Mr. Jason Pruitt
Primary Contact: Mr. Randy Griffin rgriffin@csrardc.org (706)
www.Debruinlawfirm.com
SUMMER 2020 • PALMETTO BANKER 33
Primary Contact: Mr. Josh Ard
3626 Walton Way Extension, Suite 300 Augusta, GA 30909
CRS Data 820 Brookside Court Woodstock, GA 30188
Organizationwww.crowehorwath.com(404)mike.thomas@crowe.com442-1607Type:Accounting/CPAServices
DDI Technology an IAA company PO Box Lexington,2078SC 29071
CSRA Business Lending
Organizationwww.csrabusinesslending.com210-2010Type:Lending/LeasingServices
Dixon Hughes Goodman LLP 4350 Congress Street, Suite 900 Charlotte, NC 28209
www.dhgllp.com/financial-services Organization Type: Accounting/CPA Services
Crescent Mortgage Company 6600 Peachtree Dunwoody Road Atlanta, GA 30328
Primary Contact: Mr. Todd Phillips
Crowe LLP
Primary Contact: Mr. E. Michael Thomas
Primary Contact: Mr. Charles Stubbs Organizationdadavidson.com(919)cstubbs@dadco.com740-4671Type:InvestmentBanking
1100 Shirley Street, Ste. 200 Columbia, SC 29205
DeBruin Law Firm, LLC 16 Wellington Avenue Greenville, SC 29609
3399 Peachtree Road N.E., Suite 700 Atlanta, GA 30326
Organizationwww.dditechnology.com(803)todd.phillips@dditechnology.com808-4937Type:ITServices
Primary Contact: Mr. Robert M. Stevens
Organizationwww.elliottdavis.com(864)Robert.Stevens@elliottdavis.com552-4819Type:Accounting/CPAServices
Employer HR Group
D.A. Davidson 3218 Sussex Rd. Raleigh, NC 27607
ASSOCIATE MEMBERS
Elliott Davis, LLC 200 East Broad St., Suite 500 Greenville, SC 29601
1640 St. Julian Place Columbia, SC 29204
Organizationwww.crsdata.com(770)jpruitt@crsdata.com883-6609Type:InformationServices
Delta Dental 1320 Main St., Suite 650 Columbia, SC 29201
Primary Contact: Mr. Bryan DeBruin Bdebruin@debruinlawfirm.com (864) 982-5930
Primary Contact: Ms. Jenny Cavnar (704)jenny.cavnar@dhgllp.com367-5945
Primary Contact: Mr. B. Lindsay Crawford, IV Organizationwww.crawfordvk.com(803)blcrawford@crawfordvk.com790-2626Type:LawFirms
Organizationwww.deltadentalsc.com454-8484Type:InsuranceProducts/Services
FHN Financial 845 Crossover Lane, Ste 150 Memphis, TN 38117
600 University Park Place, Ste. 380 Birmingham, AL 35209
Fox Rothschild LLP
Fitech Payments
2 West Washington Street, Suite 1100 Greenville, SC 29601
34 SUMMER 2020 • PALMETTO BANKER
Federal Home Loan Bank of Atlanta 1475 Peachtree St. Atlanta, GA 30309
Primary Contact: Mr. Donald Ballentine Organizationwww.evans-simpson.com(864)dballentine@evans-simpson.com361-0794Type:InsuranceProducts/Services
Federal Reserve Bank of Richmond 530 E. Trade St. Charlotte, NC 28202
Primary Contact: Mr. Matthew A. Martin Organizationrich.frb.org(704)matthew.martin@rich.frb.org358-2101Type:GovernmentRelatedEntity
Organizationwww.fcmpartners.com(864)Seth.Gottesman@fcmpartners.com238-4246Type:MortgageSpecialists
Organizationwww.bankers-bank.com(205)wcaudell@bankers-bank.com262-2540Type:InvestmentBanking
Financial Solutions 125 Herren Lane Homer, LA 71040
Primary Contact: Mr. Wes Caudell
Primary Contact: Mr. Trae Winston trae.winston@ftnfinancial.com (901) 435-8757 www.fhnfinancial.com
Primary Contact: Mrs. Katherine H. Laffitte KLaffitte@foxrothschild.com (864) Organizationwww.foxrothschild.com751-7635Type:Law Firms
Primary Contact: Mr. Seth Gottesman
EnVeritas Group 9 LaGrand Blvd. Greenville, SC 29607
Evans, Simpson & Associates, Inc. 107 Huntsman Lane Lexington, SC 29072
Fiserv Inc. 2155 Fairhaven Cir NE Atlanta, GA 30305
Primary Contact: Mr. R. Daniel Williams Organizationwww.fhlbatl.com(404)DWilliams3@fhlbatl.com888-8449Type:CorrespondentBanks
Organization Type: Card/Merchant Processing
First Community Mortgage Inc. 105 Firethorne Court Greer, SC 29650
Primary Contact: Mr. Austin Dunn (470)austin.dunn@Fiserv.com462-8827 www.fiserv.com Organization Type: Data Processing
Primary Contact: Mr. Brice J. Bay Organizationenveritasgroup.com(864)BRICE@ENVERITASGROUP.COM915-8301Type:ComplianceServices
FNBB Capital Markets
Primary Contact: Mr. Matt Mingenback mmingenback@fitech.com (817) 698-2268 www.fitech.com
Primary Contact: Ms. Patti Joyner Patti.Joyner@finsolinc.com (828) 980-4236 www.finsolinc.com
Organization Type: Compliance Services
Organization Type: Investment Advisory
301 Commerce St. #1400 Fort Worth, TX 76102
ASSOCIATE MEMBERS
Primary Contact: Mr. F. Lee Prickett, III Organizationwww.hplplaw.com(864)lprickett@hplplaw.com335-8488Type:Law Firms
Primary Contact: Mr. Keith Shiver Organizationwww.ici-consulting.com(865)keith.shiver@ici-consulting.com414-0738Type:ITServices
Organization Type: Law Firms
Holliday Ingram LLC 25 E. Court St., Ste 201 Greenville, SC 29601
Holder Padgett Littlejohn + Prickett, LLC PO Box Greenville,1804SC 29602
Gallivan, White & Boyd, P.A. PO Box Columbia,7368SC 29202
Hunt Financial Group 4810 Ashley Park Lane, Unit 1419 Charlotte, NC 28210
Haynsworth Sinkler Boyd, P.A. PO Box Columbia,11889SC 29211
Graybill, Lansche & Vinzani, LLC 225 Seven Farms Drive, Suite 107 Charleston, SC 29492
Organization Type: Law Firms
Organization Type: Law Firms
Hovde Group, LLC 615 South Collete Street, 9th Floor Charlotte, NC 28202
ASSOCIATE MEMBERS
Owned Life Insurance
Primary Contact: Mr. George S. King cking@hsblawfirm.com (803) 779-3080 www.hsblawfirm.com
Hunton Andrews Kurth LLP 8040 N. Park Street Dunn Loving, VA 22027
Primary Contact: Mr. J. Hayes Holliday Organizationwww.HollidayIngram.com(864)Hayes@HollidayLawFirm.com232-3541Type:LawFirms
Primary Contact: Mr. John S. Kay john.kay@hutchenslawfirm.com (803) OrganizationHutchensLawFirm.com726-2700Type:Law Firms
Primary Contact: Mr. Grant R. Ossenkop
Harland Clarke 15955 La Cantera Parkway San Antonio, TX 78256
Primary Contact: Mrs. Heather Archer Eastep Organizationwww.huntonak.com/en/(202)heastep@huntonak.com955-1954Type:LawFirms
ICI Consulting, Inc. 2012 Cochran Road Maryville, TN 37203
Primary Contact: Mr. Timothy Hunt thunt@huntfinancialgroup.net (980) Organizationwww.cplanning.com335-2285Type:Bank
Primary Contact: Mr. Michael P. Corso Organizationwww.hovdegroup.com(312)mcorso@hovdegroup.com614-0522Type:InvestmentBanking
Organizationwww.haberfeld.com(402)grant@haberfeld.com323-3605Type:Marketing
Primary Contact: Ms. Lindsay A. Joyner LJoyner@gwblawfirm.com (803) 724-1706 gwblawfirm.com
Primary Contact: Ms. Christine Ahlgren Organizationwww.harlandclarke.com(678)Christine.Ahlgren@harlandclarke.com500-5330Type:CheckPrinting
SUMMER 2020 • PALMETTO BANKER 35
Hutchens Law Firm LLP 240 Stoneridge Drive, Suite 400 Columbia, SC 29210
Primary Contact: Mr. Jacob S. Barker jbarker@glvlawfirm.com (843) 408-4063 www.glvlawfirm.com
Haberfeld
206 S.13th St., Suite 1500 Lincoln, NE 60508
J. P. Morgan
Primary Contact: Mr. Michael D. Bennett Organizationwww.jpmorgan.com(212)michael.d.bennett@jpmorgan.com270-0530Type:InvestmentAdvisory
Primary Contact: Mr. Kris Nuss Organizationkasasa.com(205)kris.nuss@kasasa.com516-9925Type:ConsultingServices
Janney Montgomery Scott LLC 1475 Peachtree Street, NE Atlanta, GA 30309
J. W. Hunt and Company, LLP PO Box Columbia,265SC 29202
Primary Contact: Mrs. L.A. Smith Organizationwww.kensmithinc.com(704)la@kensmithinc.com536-1300Type:Physical Security Equipment
237 Park Ave., 7th Floor New York, NY 10017
ASSOCIATE
Primary Contact: Mr. Mac Humphries Organizationwww.keenansuggs.com(803)Mac.humphries@hubinternational.com227-4827Type:InsuranceProducts/Services
Primary Contact: Mr. Kris Trainor Organizationwww.mjcpa.com(770)ktrainor@mjcpa.com955-8600Type:Accounting/CPAServices
Jack Henry Banking 663 W. Hwy 60 Monett, MO 65708
Primary Contact: Mr. Jimmy Outlaw Organizationwww.joutlawconsulting.com(803)jimmy@outlawconsulting.com730-8464Type:ConsultingServices
Primary Contact: Mr. Michael W. Boozer Organization(803)mboozer.ifs@gmail.com201-9062Type:InsuranceProducts/Services
4725 Forest Ridge Lane Columbia, SC 29206
KeenanSuggs|HUB International 1330 Lady Street Columbia, SC 29201
Primary Contact: Ms. Jacqueline Scheider JScheider@profitstars.com (417) Organizationwww.jackhenrybanking.com235-6652Type:DataProcessing
Integrated Financial Solutions
J. Outlaw Consulting 303 Newport Hill Ct. Lexington, SC 29072
Magnolia Financial, Inc. 187 W. Broad Street Spartanburg, SC 29305
MEMBERS
Primary Contact: Mr. William T. Pouncey Organizationwww.jwhunt.com(803)wtp@jwhunt.com728-8655Type: Accounting/CPA Services
Primary Contact: Mr. Marc Smith msmith@magfinancial.com (864) 699-8178 www.magfinancial.com Organization Type: Lending/Leasing Services
36 SUMMER 2020 • PALMETTO BANKER
Primary Contact: Mr. Eric Lawless Organizationwww.janney.comPhone:elawless@janney.com(404)601-7202Type:RiskManagementServices Kasasa 451 Seton Center Parkway, Ste. 300 Austin, TX 78759
Ken Smith, Inc. 8661 Monroe Road Charlotte, NC 28212
Mauldin & Jenkins, LLC 200 Galleria Parkway, Suite 1700 Atlanta, GA 30339
Primary Contact: Ms. Elizabeth Nicolas Organizationwww.netbankaudit.com(800)enicolas@netbankaudit.com243-0416Type:ComplianceServices
Organization Type: Bank Owned Life Insurance
3903 Keystone Ridge Acworth, GA 30101
Primary Contact: Mr. Christopher Carlton Organizationwww.paymerang.com/(804)ccarlton@paymerang.com302-8510Type:CheckPrinting
SUMMER 2020 • PALMETTO BANKER 37
Pearl Meyer & Partners, LLC
Primary Contact: Mr. Brett Barringer Organizationwww.monarchprivate.com(334)bbarringer@monarchprivate.com663-4523Type:FinancialServices
NFP Executive Benefits
Ogletree, Deakins, Nash, Smoak & Stewart, P.C.
Primary Contact: Mr. Glenn Blackwood (561)glenn.blackwood@nfp.com798-5620 executivebenefits.nfp.com
Nelson Mullins Riley & Scarborough, LLP PO Box Columbia,11070SC 29211
Organizationwww.nelsonmullins.com(803)john.moore@nelsonmullins.com255-9415Type:LawFirms
3500 Fairlane Farms Road, Ste. 11 West Palm Beach, FL 33414
Primary Contact: Mr. M. Todd Haynie, III Organizationwww.parkerpoe.com(803)toddhaynie@parkerpoe.com253-8915Type:LawFirms
PCBB
Primary Contact: Mr. Darin P. Ruhl Organizationblackdiamondgroup.com/mpa-systems(469)druhl@mpasystems.com350-8094Type:BankArchitects/Construction
3414 Peachtree Rd, NE, Suite 825 Atlanta, GA 30326
Primary Contact: Mr. Isaac Mares isaac.mares@officedepot.com (855) 337-6811 Organizationbusiness.officedepot.comType:Office Supplies
55 E. Camperdown Way 4th floor Greenville, SC 29601
Primary Contact: Mr. Frank F. Spence Organizationwww.pcbb.com(415)fspence@pcbb.com399-1900Type:CorrespondentBanks
ASSOCIATE MEMBERS
Paymerang
Monarch Private Capital
Primary Contact: Mr. Christopher R. Thomas
7401 Beaufont Springs Drive, Suite 300 Richmond, VA 23225
Nexsen Pruet, LLC
Primary Contact: Mr. John T. Moore
Primary Contact: Mr. James T. Hedgepath Organizationwww.nexsenpruet.com(864)jhedgepath@nexsenpruet.com282-1139Type:LawFirms
NETBankAudit 610 Chamberlain Street Raleigh, NC 27607
Office Depot Inc. 9501 Amberglen Blvd., Suite 200 Austin, TX 78729
MPA Systems
505 Millstone Drive Hillsborough, NC 27278
4505 Country Club Road, Suite 120 Winston-Salem, NC 27104
Parker Poe Adams & Bernstein LLP 1221 Main Street, Suite 1100 Columbia, SC 29201
Organizationwww.ogletreedeakins.com(803)Christopher.R.Thomas@ogletree.com252-1300Type:LawFirms
Primary Contact: Mr. J. Timothy O’Rourke Organizationwww.pearlmeyer.com(919)tim.orourke@pearlmeyer.com644-6962Type:ConsultingServices
First Base Building, 2142 Boyce Street, Suite Columbia,401 SC 29201
Provident Business Financial Services 3125 Hebron Drive West Columbia, SC 29169
2 Enterprise Dr., Ste 408 Shelton, CT 6484
38 SUMMER 2020 • PALMETTO BANKER
Primary Contact: Mr. Tommy DeMint Organizationwww.pintailcapitaladvisors.com(864)tommy@pintailcap.com729-4500Type:BrokerageServices
Primary Contact: Mr. Wade M. Connor
Primary Contact: Mr. Robert G. Boone Organizationwww.Renasantconnect.com(803)bob.boone@renasant.com269-3191Type:MortgageSpecialists
Pintail Capital Advisors PO Box Greenville,9776SC 29604
Primary Contact: Mr. T. Lowndes Pope lpope@rplfirm.com (803) 799-9993 www.rplfirm.com Organization Type: Law Firms
Riley Pope & Laney, LLC 2838 Devine Street Columbia, SC 29205
Piper Sandler & Co. 3424 Peachtree Road, NE, Ste 2050 Atlanta, GA 30326
Raymond James & Associates, Inc. 4000 Westchase Blvd., Suite 500 Raleigh, NC 27607
Primary Contact: Mr. Kevin P. O’Keefe Organizationwww.pipersandler.com/(800)Kevin.OKeefe@psc.com898-6547Type:InvestmentBanking
Primary Contact: Mr. Danny Capitel Organizationwww.promnetwork.com(703)dcapitel@promnetwork.com292-3476Type:BrokerageServices
Primary Contact: Mr. Ryan Tillery Organizationwww.performancetrust.com(312)rtillery@performancetrust.com521-1465Type:InvestmentAdvisory
Promontory Interfinancial Network, LLC 84 River Park Drive Atlanta, GA 30328
Primary Contact: Mr. Keith Black Organizationwww.providentbfs.com(803)kblack@providentbfs.com791-0071Type:Lending/LeasingServices
Organizationwww.pentegra.com(914)wade.connor@pentegra.com821-9578Type:HumanResourceServices
Pentegra Retirement Services
Primary Contact: Mr. William J. Wagner (919)william.j.wagner@raymondjames.com755-2601 www.rjfigbanking.com
Primary Contact: Mr. Harry Lowman Organizationwww.resurgentperformance.com(972)Hlowman@resurgentperformance.com446-9283Type:ConsultingServices
Performance Trust Capital Partners, LLC 260 Seven Farms Drive, Unit E Charleston, SC 29492
Resurgent Performance, Inc. 9011 Chagrin Drive, Unit 102 Cornelius, NC 28031
ASSOCIATE MEMBERS
Organization Type: Investment Banking
Renasant Mortgage Lending 45 Lakecrest Drive Columbia, SC 29206
Primary Contact: Mr. Adam Causey Organizationwww.safesystems.com/(770)adam.causey@safesystems.com752-0550Type:ITServices
SB Value Partners, L.P. 16414 San Pedro Ave, Ste.240 San Antonio, TX 78232
ASSOCIATE MEMBERS
1310 Gadsden Street Columbia, SC 29211
Primary Contact: Ms. Jenny Beck Organizationsbscyber.com(615)jennifer.beck@sbscyber.com440-6066Type:ConsultingServices
Roe Cassidy Coates & Price, P.A. 1052 N. Church St. Greenville, SC 29601
Primary Contact: Ms. Stacy Sheehy Organizationwww.spglobal.com(434)Stacy.Sheehy@spglobal.com529-1978Type:InformationServices
Rogers, Townsend & Thomas, PC 1221 Main Street Columbia, SC 29201
Primary Contact: Mr. Stuart M. Lee Organizationwww.rtt-law.com(803)stuart.lee@rtt-law.com771-7900Type:Law
SC JEDA 1201 Main Street, Suite 1600 Columbia, SC 29201
Primary Contact: Mr. Harry A. Huntley Organizationwww.scjeda.com(803)hhuntley@scjeda.com737-0627Type:GovernmentRelatedEntity
S&P Global Market Intelligence One SNL Charlottesville,Plaza VA 22902
Primary Contact: Mr. J. Neal Beard, III Organizationwww.stscarolinas.com(803)nbeard@sts-southeast.com776-8852Type:Physical Security Equipment
Sentinel Risk Advisors, LLC 4700 Six Forks Road, Suite 200 Raleigh, NC 27609
Safe Systems, Inc. 1145 Sanctuary Parkway, Ste. 400 Alpharetta, GA 30009
Primary Contact: Mr. R. William Metzger, Jr. Organizationrobinsongray.com(803)bmetzger@robinsongray.com227-1130Type:LawFirms
Primary Contact: Mrs. Haley Segovia Organizationwww.sbvalue.com(210)haley.segovia@sbvalue.com483-5050Type:InvestmentAdvisory SBS CyberSecurity 1033 Demonbreun Street, Suite 300 Nashville, TN 37203
Primary Contact: Mr. Michael G. Carlton Organizationsentinelra.info(919)mcarlton@sentinelra.com926-4631Type:InsuranceProducts/Services
SHAZAM Network 2965 Sunset Donalsonville,DriveGA 39845
Primary Contact: Mr. J. Alex Jernigan Organizationwww.shazam.net(229)jjernig@shazam.net861-3802Type: Card/Merchant Processing
Route 2 Capital Partners 110 E. Count Street, Suite 501 Greenville, SC 29601
Firms
Security Technology Services, Inc. PO Box Columbia,105SC 29202
Robinson Gray Stepp & Laffitte, LLC
Primary Contact: Mr. R. Patrick Weston Organizationwww.route2capital.com(864)pweston@route2capital.com484-9371Type:PrivateEquity
SUMMER 2020 • PALMETTO BANKER 39
Primary Contact: Mrs. Amber B. Glidewell Organizationwww.roecassidy.com(864)aglidewell@roecassidy.com349-2620Type:LawFirms
1205 Pendleton Street, Ste. 305 Columbia, SC 29201
Primary Contact: The Honorable Curtis M. Loftis Organizationtreasurer.sc.gov(803)treasurer@sto.sc.gov734-2101Type:GovernmentRelatedEntity
Primary Contact: Mr. Dana P. Davis
1720 Main St., Suite 104 Columbia, SC 29201
40 SUMMER 2020 • PALMETTO BANKER
SouthEastern Evaluation PO Box Greenville,1971SC 29602
Primary Contact: Ms. Teresa D. Taylor Organizationwww.scbebt.org(803)ttaylor@scbebt.org575-8401Type: Healthcare
Southern Bank Equipment PO Box 938 Duluth, GA 30096
Primary Contact: Mr. Matthew A. Switzer
Strategic Resource Management, Inc.
South Carolina State Treasurer POB ox Columbia,11778SC 29211
Organizationwww.see-amc.com(866)mchapman@see-amc.com538-4435Type:AppraisalManagement
Source4 19520 West Catawba Avenue, Suite Cornelius,113 NC 28031
Primary Contact: Mr. J. Mark Chapman
Primary Contact: Mr. Dan Siadak Organizationwww.source4.com(704)dan.siadak@source4.com560-2470Type:Marketing
Organizationwww.srmcorp.com(704)ddavis@srmcorp.com906-0440Type:ConsultingServices
PO Box Statesboro,2701GA 30459
17114 Bridgeton Lane Huntersville, NC 28078
Smith Debnam Narron Drake Saintsing & Myers, LLP
Primary Contact: Mr. Trey Simon Organizationwww.scstudentloan.org/(803)tsimon@scstudentloan.org612-5052Type:Lending/LeasingServices
Primary Contact: Ms. Jeriel Ashantae Thomas Organizationwww.smithdebnamlaw.com/(919)jthomas@smithdebnamlaw.com250-2155Type:LawFirms
Stephens Inc. 901 E. Byrd St, Suite 1110 Richmond, VA 23219
South Carolina Board of Financial Institutions
Organizationwww.southernbankequipment.com(770)beth@southernbankequipment.com751-1412Type:PhysicalSecurityEquipment
South Carolina Student Loan 8906 Two Notch Road Columbia, SC 29223
Organizationwww.stephens.com(804)matthew.switzer@stephens.com296-0275Type:InvestmentBanking
Primary Contact: Mr. Richards H. Green (803)rick.green@banking.sc.gov734-2003 www.bofi.sc.gov Organization Type: Government Related Entity
Organizationwww.shpco.net(912)spowell@shpco.net764-1934Type: Compliance Services
Steve H. Powell & Company
StrategyCorps
South Carolina Bankers Employee Benefit Trust PO Box Chapin,533SC 29036
ASSOCIATE MEMBERS
Primary Contact: Mr. Austin Porter
Primary Contact: Ms. Beth Hausmann
Organizationwww.strategycorps.com(615)austin.porter@strategycorps.com263-7777Type:Marketing
100 Westwood Place, Suite 400 Brentwood, TN 37027
Primary Contact: Mr. Steve H. Powell
TCG & Associates, Merrill Lynch 1301 Gervais St., Suite 1500 Columbia, SC 29201
Primary Contact: Mr. Scott Brandon
Primary Contact: Mr. Robbie Fuller Organizationwww.si-solutions.com(803)rofuller@TheSourcingGroup.com724-5463Type:PrintingSolutions
Primary Contact: Mr. Michael P. Velasco Organizationfa.ml.com/tcgandassociates(803)mike_velasco@ml.com733-2179Type:PortfolioManagementServices
The Brandon Agency
The Capital Corporation 84 Villa Greenville,RoadSC 29615
The Wheelhouse Group 108B Trade Street Greer, SC 29651
Organizationwww.thewheelhousegroup.net(864)tcollins@thewheelhousegroup.net616-8778Type:Marketing
Organizationwww.tayloradvisor.com/(502)todd@tayloradvisor.com412-2524Type:ConsultingServices
Organizationwww.tandempayment.com(864)larry.feniger@tandempayment.com672-1570Type:Card/MerchantProcessing
Primary Contact: Mr. William J. Lee Organizationwww.gobaker.com(855)jlee@gobaker.com500-4547Type: Portfolio Management Services
ASSOCIATE MEMBERS
Travelers Insurance 11440 Carmel Commons Blvd. Charlotte, NC 28226
Tandem Innovative Payment Solutions
Organization Type: Investment Advisory
SUMMER 2020 • PALMETTO BANKER 41
The Sourcing Group LLC 901 Brookwood Dr. Columbia, SC 29201
728 N. Pleasantburg Dr. Greenville, SC 29607
Primary Contact: Mr. Mac Cochrane Organizationwww.TIB.bank(704)MCochrane@tib.bank620-8841Type:CorrespondentBanks
TIB-The BankersBank,IndependentN.A.
3023 Church Street Myrtle Beach, SC 29577
Primary Contact: Mr. C. Dan Adams Organizationwww.thecapitalcorp.com(864)danadams@thecapitalcorp.com542-2562Type:InvestmentBanking
3709 Alden Street Indian Trail, NC 28079
Primary Contact: Mrs. Dee Dee Simmons dsimmons@thefittscompany.com (803) 359-5947 www.thefittscompany.com Organization Type: Bank Architects/ Construction
Primary Contact: Mr. Larry R. Feniger
Organizationwww.thebrandonagency.com(843)SBrandon@thebrandonagency.com916-2000Type:Marketing
Primary Contact: Mr. Scott Cheney sccheney@tnbfinancial.com (864) 605-6952 tnbfinancial.com
The Baker Group 1900 The Exchange, Suite 645 Atlanta, GA 30339
700 N. Hurstbourne Pkwy Ste. 110 Louisville, KY 40222
TNB Financial Services 706 E. Washington Street Greenville, SC 29601
Taylor Advisors
The Fitts Company 55 Sirens Lane Gaston, SC 29053
Primary Contact: Mr. Todd Taylor
Primary Contact: Mr. Todd Collins
Primary Contact: Mr. Luis A. Lima, Jr. Organizationwww.travelers.com(704)LLima@travelers.com544-3704Type:InsuranceProducts/Services
Windsor Advantage, LLC
4101 Lake Boone Trail, Suite 300 Raleigh, NC 27607
Wyrick Robbins Yates & Ponton LLP
Primary Contact: Ms. Debbie B. Jenkins
MEMBERS
Womble Bond Dickinson 550 South Main Street, Suite 400 Greenville, SC 29601
Works24 Corp 12 Wedgewood Place Clayton, NC 27527
Organizationwwwmyvelocity.com(954)gstumler@myvelocity.com847-5800Type:ConsultingServices
Primary Contact: Ms. Lauren Gonnella (513)Lauren.Gonnella@vantiv.com900-4661 www.fisglobal.com/en/merchant Organization-solutions-worldpayType:Card/MerchantProcessing
Primary Contact: Mr. Philip Edwards Organizationwww.works24.com(405)pedwards@works24.com843-4653Type:Marketing
Fort Lauderdale, FL 33346
ASSOCIATE
Primary Contact: Mr. William J. Bossong
Organizationwww.windsoradvantage.com(843)jtibert@windsoradvantage.com640-5321Type:Lending/LeasingServices
Primary Contact: Mr. Greg Stumler
466 King Street, Ste 201 Charleston, SC 29403
Primary Contact: Mr. Lanneau Wm. Lambert, Jr. Organizationwww.turnerpadget.com(803)llambert@turnerpadget.com227-4248Type:LawFirms
Organizationwww.bevaluant.com(803)Bill.Bossong@bevaluant.com255-1497Type:ConsultingServices
Tyson Sign Company, Inc. PO Box 50580 Myrtle Beach, SC 29579
Wipfli LLP 235 Peachtree Street, NE, Suite 1800 Atlanta, GA 30303
Primary Contact: Mr. Patrick Tuley (404)ptuley@pkm.com420-5670 www.wipfli.com Organization Type: Accounting/CPA Services
Primary Contact: Mr. James Tibert
Valuant, LLC
Organizationwww.tysonsign.com(843)djenkins@tysonsign.com448-5168Type:Marketing
42 SUMMER 2020 • PALMETTO BANKER
Primary Contact: Mr. Stuart M. Rigot Organizationwww.wyrick.com(919)srigot@wyrick.com882-7122Type: Law Firm
Turner Padget Graham & Laney, PA
1201 Main Street, Suite 1110 Columbia, SC 29201
Velocity Solutions PO Box 460939
Primary Contact: Mr. S. Sterling Laney, III Organizationwww.womblebonddickinson.com(864)sterling.laney@wbd-us.com255-5429Type:LawFirms
Worldpay 148 Gale Park Lane Nashville, TN 37204
1901 Main Street, Suite 1700 Columbia, SC 29201
SUMMER 2020 • PALMETTO BANKER 43 e d UC ation and P rofessional d evelo P ment
As with the other SCBA on line training, continuing education credit is available. Live webinars are approved for the National Association of State board of Accountancy (NASBA) for Continuing Professional Education (CPE) credit, and are eligible for Certified Regulatory Compliance Manager (CRCM) credit through the American Bankers Association (ABA) Professional Certification Process. To learn more about all SCBA online training opportunities please visit: https://scbankers.org/all-online-training-opportunities. Some of the upcoming live webinars from ProBank Austin are: Opening Personal Deposit Accounts ........................................................ October 6 Consumer Foreign Remittance Transfer Processing October 15 Whose Funds Are They Anyway? Dealing With Fiduciary Accounts..... October 27 Calculating Liability Under Regulation E Error Resolutions ...................... November 9 Lending Hot Topics....................................................................................... November 10 Opening Deposit Accounts For Trusts, Estates, And Beneficiaries November 10
SOUTH CAROLINA BANKERS ASSOCIATION PARTNERS WITH ProBank Austin to Enhance SCBA Education Training
The SCBA is pleased to announce that we have partnered with ProBank Austin as an additional provider of virtual training for our members. ProBank Austin webinars are in addition to our offerings form OnCourse Learning, ABA OnLine Training and the FinPro Director Webinars. ProBank Austin’s Education Division is a leading provider of educational services and has conducted seminars, webinars, in-bank training, conferences and schools for more than 40 years. Their professional staff, which is comprised of former regulators, examiners, attorneys, CPAs and bankers, offer extensive experience in providing authoritative and practical training for bankers. Their presenters train at every level, whether introductory for the beginner, to more in-depth for the intermediate level to updates and focused areas for the more advanced compliance professional.
Please visit https://scbankers.org/scba-events to see the myriad of courses and webinars offered and to register!
Great For Directors & Senior Executives
44 SUMMER 2020 • PALMETTO BANKER
As an added benefit, most offerings provide Continuing Education Credits for ABA Professional Certifications such as the CRCM, CTFA, CERP, CFMP and more.
• Each webinar is 11:00 am EST*
FinPro’s Global Webinar Package is a series of 24 webinars offered throughout the year. The Global Webinar Package is structured with one flat fee per year that allows unlimited director and employee participation. The webinars are 60 minutes and occur twice a month. All webinars are recorded, so if you can’t attend the live webinar, you can view the recording at your convenience. CPE credits apply to the live webinars only.
OnCourse Learning is a member of Adtalem Global Education (NYSE:ATGE), a global education provider headquartered in the United States. It empowers financial institutions to prepare their frontlines, compliance teams, executive leadership and board of directors with comprehensive enterprise compliance, risk management and professional development education that is effective and engaging. Over 10,000 clients and partners have adopted OnCourse Learning solutions to efficiently manage complexity, change and growth. Plus, over the course of our 40+ year history we have trained over 190,000 individuals with our NMLSapproved licensure and continuing education courses.
Brought to you through the South Carolina Bankers Association, ABA Training is a flexible, cost-effective professional development solution. With options for bankers at all stages of their career, in any size and type of bank, ABA Training offers courses across all lines of business and comes in a variety of formats to suit your schedule, your budget and your learning style.
SCBA Webinars: another source for your training needs!
• One flat fee for the year
The SCBA now offers four choices for director, employee training and development without having to leave the office. We are pleased to partner with these fine training and educational resources:
• Access to webinar recordings and presentations
• Unlimited registrants from your institution
(formerly known as Total Training Solutions)
* Each webinar is recorded, therefore, we welcome registrants at any time throughout the year.
e d UC ation and P rofessional d evelo P ment
Virtual
For Bankers, Elected Officials, Associate Members and Vendors.
Member=$125 / Non-Member=$175
Virtual
Credit Columbia,FebruaryConference4SC
Virtual
Fall Compliance Conference
Bank Security Risk Mgt. Conference January Columbia,27SC
For CEOs, lenders and credit officers. Member=$310 / Non-Member=$780
Young Bankers Division Annual Scholarship Golf Tournament October Columbia5
For Security officers, human resource/ training managers, legal, operations, branch managers and branch employees.
Call Report Seminar
October 8 & 9
Member=$310 / Non-Member=$785
For CFOs, Controllers, Investment Officers, ALM Officers, Chief Risk Officers, & Senior Bank Officers. Member=$290
Bank Secrecy Act (BSA/AML) Conference
SUMMER 2020 • PALMETTO BANKER 45
November 16 & 17
For Executive risk-management teams and regulatory compliance officers.
February 9 – 10 Columbia, SC
Bank Operations Conference February Columbia,23SC
For Bank Security and Risk Officers, Compliance Officers, CRA Officers, and BSA and AML Specialists.
Young Bankers Division BankPAC Sporting Clays Tournament Fundraiser
Consumer Lending School
JANUARY 2021
For CEOs and Operations Personnel. Member=$325 / Non-Member=$850
October 7
OCTOBER 2020
NOVEMBER 2020
CFO Peer Group Forum
Palmetto Shooting Complex, Edgefield, SC
Member=$280
For Consumer Loan Officers, Branch Managers, Assistant Branch Managers, Personal Bankers, Management Trainees and Collection Officers.
For Directors, CEOs and Senior Management. Member=$395 / Non-Member=$895
Human Resources Conference February Columbia,25SC
November 18
Member=2 days $620, 1 day $350 Non-Member=2 days $1600, 1day $850
Member=$530 / Non-Member=$870
For Human Resource Officers. Member=$295 / Non-Member=$675
Directors and Managers Workshop February Columbia,11SC
FEBRUARY 2021
February 2 – 3 Columbia, SC
Country Club, Blythewood, SC
Member=$125 / Non-Member=$175
For Operations officers, CEOs, CFOs, internal auditors, and anyone who is responsible for the preparation, verification or certification of the call reports.
Member=$330 / Non-Member=$700 subjectregistrationAllfeesaretochange.
2020-21 Calendar of Events
For Bankers, Associate Members and Vendors.
ASL Sign Services, LLC is a family owned national sign company located on South Carolina’s East Coast. We have been serving the industry for over 20 years in sales, design, manufacturing, installation, and service of outdoor and indoor sign and lighting packages. Our facility is centrally located in Myrtle Beach, South Carolina for easy access to all areas in The Carolinas. We are located only 15 minutes from the Myrtle Beach International Airport and one hour from I-95. Our knowledgeable and experienced staff can assist you from inception to completion with any and all of your signage needs.
Colite
5 Technology Circle Columbia, SC 29203 (803) Martinwww.colite.com935-9000“Marty”Brown5TechnologyCircleColumbia,SC29203(803)935-9041mbrown@colite.com
Colite is a world leader in full-service sign manufacturing. We know the global market. And we understand how to bring the right people, products, and technology together to deliver signage programs on time and on budget. Our targeted segments include corporate, retail, hospitality, and healthcare – where we operate in over 120 countries. Our services include comprehensive project management, design, engineering, manufacturing, installation and maintenance. We are a preferred global partner with many global retailers providing signage internationally. The business is structured so that we are very capable to handle international projects with efficiency and effectiveness. Some of the world’s best-known companies trust us to enhance and protect their brand globally.
12331-B Riata Trace Parkway Building 4, Suite 200 Austin, TX 78727 (512) www.abrigo.com279-5715JillCacic
12331-B Riata Trace Parkway Building 4, Suite 200 Austin, TX 78727 (512) jill.cacic@abrigo.com279-5715
Welcome
We are fortunate to have an active and engaged roster Associate members and proudly welcome these new members:
46 SUMMER 2020 • PALMETTO BANKER n ew m em B ers
Abrigo provides market-leading compliance, credit risk, and lending software solutions to enable our customers to think bigger, allowing them to maintain compliance, fight financial crime, process loans quicker, and leverage data to strengthen their portfolio.
Abrigo
ASL Sign Services LLC 901 Hwy 17 South Surfside Beach, SC 29575 (843) office.aslsigns@gmail.comwww.aslservicesmb.com748-0411AnthonyS.Leggio1802GlensBayRd.MyrtleBeach,SC29575(516)644-7411
Since 1994, ICI has been the leading bank consulting firm that supports financial institutions by providing core processing assessments, gap analyses, vendor evaluations, contract negotiation and core conversion services. ICI is a privately held firm whose goal is to select the best core solutions at competitive prices for our clients.
7401 Beaufont SpringsSuiteDrive300 Richmond, VA 23225 (804) ccarlton@paymerang.com302-8510
Paymerang
Although every disaster scenario cannot be anticipated, it is a contingency planner’s job to anticipate as many risks as possible and provide solutions. MPA Systems Disaster Recovery Facilities Program offers a strategic plan that deploys a financial facility, with six month’s free use of a financial facility with guaranteed availability, and with the equipment needed to keep the vital areas of your business running, within 24-72 hours of a disaster such as tornadoes, hurricanes, floods or fires.
Turn Accounts Payable into a profit center with Paymerang!
SUMMER 2020 • PALMETTO BANKER 47
ICI Consulting, Inc. 739 Pinta Drive St. Petersburg, FL 33715 (800) keith.shiver@ici-consulting.comwww.ici-consulting.com729-8237KeithShiver2012CochranRoadMaryville,TN37203(865)414-0738
3475 High River Road Fort Worth, TX 76155 (469) www.blackdiamondgroup.com/mpa-systems568-2134DarinRuhl1716CandlerRdGainesville,GA30507(469)350-8094druhl@mpasystems.com
Paymerang’s award-winning electronic payables solution provides a simple and secure way to pay vendors. Paymerang does all the work—from vendor enablement and payment processing to transaction reconcilement dash—saving clients hundreds of hours each year and reducing fraud risk. We process billions in payments annually for clients around the country in education, finance, construction, hospitality, media and beyond. Our payment network spans 400,000+ suppliers from coast to coast, with 75% receiving electronic payments over traditional checks. In addition to the significant efficiency and security gains, clients enjoy Paymerang’s lucrative cash back rebates.
7401 Beaufont SpringsSuiteDrive300 Richmond, VA 23225 (877) www.paymerang.com680-7332ChristopherCarlton
MPA Systems helps financial businesses and service organizations operate seamlessly throughout remodeling projects, branch expansions, new construction, and disaster recovery.
The DeBruin Law Firm, LLC provides legal services in Residential and Commercial Real Estate Closings, Quiet Title Actions, Business Development and Formation, Contract Law, Civil Litigation, Mergers and Acquisitions, Trademarks, General Business Counsel, and Estate Planning, which includes Trusts and Estates, Wills and Estates and Probate Administration. Our Greenville Attorneys are committed to providing every client with sound legal counsel, strategic planning, and persuasive advocacy. Our commitment to these principles has earned the De Bruin Law Firm a wealth of “Legal Elite” awards and 5-star reviews.
MPA Systems
MPA sells and leases high-security modular buildings ready for immediate delivery or design-built to meet your project needs. As a trusted partner for more than 50 years, we deliver disaster recovery solutions throughout the United States.
DeBruin Law Firm, LLC 16 Wellington Avenue Greenville, SC 29609 (864) Bdebruin@debruinlawfirm.comwww.debruinlawfirm.com982-5930BryanDeBruin16WellingtonAvenueGreenville,SC29609(864)982-5930
n ew m em B ers
100 Westwood Place, Ste. 400 Brentwood, TN 37027 (615) austin.porter@strategycorps.com263-7777
StrategyCorps helps financial institutions grow retail checking relationships and financial productivity with its proprietary analytical tool, CheckingScore, and customizable mobile rewards app, BaZing, that powers checking products with modern, in-demand consumer benefits like cell phone insurance, local merchant discounts and roadside assistance that enhances the customer/member connection and provides competitive differentiation. Nearly 350 banks and credit unions employ our analysis tools, white-labeled reward products, and mobile solutions that generate industry-leading levels of performance for retail checking products. More information is available at www.strategycorps.com.
StrategyCorps
100 Westwood Place, Ste. 400 Brentwood, TN 37027 (615) www.strategycorps.com263-7777AustinPorter
SB Value Partners, L.P. (SBV) is an independent Registered Investment Advisor (RIA) founded in 1999. SBV’s mission is to help community banks increase ROA and ROE by providing disruptive, transformative tools to our partners. SBV provides: Proprietary bond transparency programs, Non-correlated Bank Investment Strategies, Trust Acquisition and Private labeling.
and
16414 San Pedro Ave., Ste. 240 San Antonio, TX 78232 (210) www.sbvalue.com/483-5074HaleySegovia
For more information about Associate Membership, please contact SCBA Senior Vice President Carolyn Laffitte Bradley by email at carolynbradley@scbankers.org
SB Value Partners, L.P.
16414 San Pedro Ave, Ste.240 San Antonio, TX 78232 (210) haley.segovia@sbvalue.com483-5050
Pintail Capital Advisors PO Box 9776 Greenville, SC 29604 (864) www.pintailcapitaladvisors.com729-4500TommyDeMintPOBox9776Greenville,SC29604(704)258-7455tommy@pintailcap.com
evolving
To view our Associate Membership Directory, click here.
48 SUMMER 2020 • PALMETTO BANKER
Pintail Capital Advisors is a boutique real estate advisory firm located in Greenville, South Carolina. We facilitate the acquisition and disposition of investment real estate property on a nationwide basis for a variety of institutional and family office investors. The team draws on more than fifty years of commercial real estate and capital markets experience to execute on behalf of clients.
The SCBA is dedicated
With all of the financial industry changes, we are thankful for business alliances that meet our members’ needs. to supporting promoting cutting-edge industry providers to our member banks.
Brook Moore has joined First Reliance Bank as a Senior Vice President and Sr. Credit Administrator.
ANDERSON BROTHERS BANK
Sarah Myers has been promoted to Branch Operations Coordinator of the North Myrtle Beach office.
FIRST RELIANCE BANK
First Reliance Bank and First Reliance Bancshares has announced the Board has unanimously approved the appointment of Dr. C. Dale Lusk as Chairman of the Board. Dr. Lusk was one of the original organizers of First Reliance Bank and has served as a Director of First Reliance Bank since August 1999 and as Chairman of the Audit Committee. He is the third board Chairman over the bank’s twenty-one year history. “His tenure and long standing service gives him an abundance of institutional and industry knowledge and makes him uniquely qualified for this role” said Rick Saunders, First Reliance Bank, CEO and President.
Caleb Nobles has been promoted to Loan Officer in the bank’s Conway Church Street office.
COASTAL TimNATIONALCAROLINABANKStrom has joined CNB as Senior Vice President, Mortgage Banking Director.
Robert Beaty and Shawnee Thornton have transitioned to Loan Officers of the North Myrtle Beach office.
Sarah Myers
FIRST NATIONAL BANK
Todd Buddin has been elected President and CEO. He will replace Ronald Anderson who is retiring, but who will remain with the bank on a part-time basis.
Shawnee ThorntonVictoria Owens Robert Beatty
Eric LysakDr. Dale Lusk
Caleb Nobles
FIRST COMMUNITY BANK
Eric Lysak has joined First Reliance Bank as a Relationship Banker in Greenville, SC.
Art Wray and Tim Lee have joined CCNB’s new mortgage office in Clemson as Vice Presidents, Mortgage Loan Officers.
Smith Brooks has been appointed to the Board of Directors.
Greg Clark has joined the bank as Upstate Market President and Ed Vaughan has joined as Middle Market Commercial Banking Executive.
Tim Strom Brook MooreDavid Renaker
Victoria Owens has been promoted to Branch Manager in the bank’s Market Common office, Myrtle Beach.
Narin Seera has joined the bank as Chief Mortgage Banking Officer.
Frank Bullard has joined First Reliance Bank as Market President for Charleston, SC.
Lincoln Stewart has joined First Reliance Bank as Vice President and Portfolio Manager in Greenville.
P ersonal t ransa C tions
SUMMER 2020 • PALMETTO BANKER 49
MeghaCOUNTYBANKLal has been elected to the Countybank Board of Directors. Her responsibilities in joining the Board of Directors include directing the organization’s overall affairs, establishing strategic direction, and setting policy.
John Lindley has joined First Reliance Bank as Vice President, Bank Operations Manager.
David Renaker has joined First Reliance Bank as a Relationship Banker in Lexington, SC.
AMERIS BANK
Ellen Stahlsmith has joined United Community Bank as SVP/Senior Commercial Relationship Manager to its Upstate South Carolina team.
Pete Peterson
SOUTH ATLANTIC BANK
Rebekah Lowe Randy Dolyniuk
Pete Peterson has joined United Community Bank as Chief Retail Credit Officer.
Will Aiken has joined Southern First Bank as Executive Vice President.
Moryah Jackson
Rebekah M. Lowe has been appointed director of the Bank, effective September 1, 2020.
UNITED COMMUNITY BANK
Bob Brown
HOMETRUST BANK
John Hobbs has been promoted to Executive Vice President of Oconee Federal Savings and Loan and Oconee Federal Financial Corp.
David KershawLisa Shelnutt
50 SUMMER 2020 • PALMETTO BANKER
OCONEE FEDERAL
Lisa Shelnutt has been promoted to Commercial Real Estate Division Manager.
David Kershaw has joined the Bank as Vice President, Legal Counsel.
P ersonal t ransa C tions
Moryah Jackson has joined United Community Bank as Vice President, Director of Community Development and Engagement.
United Community Bank has announced the addition of Bob Brown as Chief Information Security Officer.
David Stafford has been named Executive Vice President and Chief Operations Officer.
SOUTHERN FIRST BANK
Randy Dolyniuk has joined South Atlantic Bank as senior vice president, commercial team leader in the Hilton Head Island office.
Laurence S. Bolchoz, Jr. Curtis T. Evatt
A speci A l th A nk you to those members of the 2019-20 s outh c A rolin A b A nkers A ssoci A tion b o A rd of d irectors who h A ve completed their term .
R. Thornwell Dunlap III J. Neal Anderson
2009 Park Street • PO Box 1483 Columbia, SC 29202-1483The 2021 SCBA Annual Convention JUNE 6-9, 2021 | THE CLOISTER AT SEA ISLAND | SEA ISLAND, GA Save the date
