Paul Van Stone

Built and Managed a portfolio of $40 million. ensuring compliance with lending policies and regulatory standards.

Collaborated with credit analysts to prepare loan presentations for credit committee approval.

Increased cross-selling of treasury and cash management services

Results-driven Commercial Lender with 20+ years of of experience in structuring, underwriting, and managing commercial loan portfolios. Proven track record of building strong client relationships, mitigating risk, and driving revenue growth through strategic lending solutions. Adept at analyzing complex financial statements, negotiating terms, and ensuring compliance with regulatory requirements.

Commercial Loan Origination & Underwriting

Credit Risk Assessment & Mitigation

Relationship Management & Client Retention

Financial Statement Analysis

Regulatory Compliance (FDIC, OCC, etc.)

Portfolio Management & Growth Strategies

Negotiation & Deal Structuring

Market & Industry Research

• Start-up branch in Chesterfield, built a bank inside an existing commercial building.
• In charge of all aspects of the build out and start-up of the bank, everything including negotiating the lease, hiring employees to media relations.
• The current responsibilities included: P&L for branch, aggressively soliciting and servicing prospective customers producing a variety of commercial loans as well as generating and managing a portfolio of business and corresponding relationships, while seeking new accounts through calling efforts, marketing, referrals and managing the sales and service staff.
• The Bank has been built into a $100 million dollar branch in less than three years.
• 1.4 billion dollar regional bank – specializing in real estate transactions

• Responsibilities included soliciting and servicing prospective customers producing a variety of commercial loans.
• Implementing a structured calling program, tracking program and targeting calling effort to specific prospects.
• Help grow the business 50% over the two years through these calling programs.
• The Bank was sold at 3.3 times book value which at the time was the highest selling price in St. Louis.
• 500 Million dollar local bank – specializing in a variety of banking transactions – Bank was sold to National City Bank in 2006

• Responsibilities included soliciting and servicing prospective customers producing a variety of commercial loans, re-learning the St. Louis market.
• 2.4 Million dollar regional bank – specializing in a variety of banking transactions – Bank was sold to M&I Bank in 2004

• Responsibilities included start-up offices in St. Louis and Denver.
• Started both offices from one employee to twenty plus employees each.
• Developed relationships with local referral sources such as attorneys, accountants, wholesale and retail industries.
• Market via referrals, cold calling and on site visits.
• Constant interaction and working relationship with other departments and personnel.
• Calculated planning and business development, including identifying all potential financial risks.
• Manage all aspects of merger & acquisition assignments, review of facilitation of fees, assisting preparation of offering documents, execution of marketing programs, canvassing company brokers and others, coordination of due-diligence and closing procedures.
• 80 billion dollar investment company – specializing in asset based lending & investment banking

• Started as a junior lender and worked my way up to AVP lender in the asset based division.
• 3 billion dollar local bank – was sold in 1995 to Mercantile Bank

• Formal Credit training, fourteen month program where you spend time in each division within the bank to better understand the
• 15 billion dollar regional bank