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Loan Restructuring Workout Jobs (NOW HIRING)

Wilks

Senior Credit Workout Specialist

Fort Worth, TX · On-site

... restructuring - whether a rate adjustment, loan increase, additional collateral pledge, or full ... workouts, or portfolio management * Demonstrated credit underwriting experience including the ...

Equify

Senior Credit Workout Specialist

Fort Worth, TX · On-site

... restructuring - whether a rate adjustment, loan increase, additional collateral pledge, or full ... workouts, or portfolio management * Demonstrated credit underwriting experience including the ...

Wilks

Senior Credit Workout Specialist

Fort Worth, TX · On-site

... that require credit restructuring -- whether a rate adjustment, loan increase, additional ... workouts, or portfolio management * Demonstrated credit underwriting experience including the ...

Capital One

Director, Special Assets

New York, NY · On-site

At least 7 years of relevant commercial loan experience, credit, asset management or workout * At least 5 years of loan underwriting experience or 5 years of experience in loan restructuring ...

Capital One

Director, Special Assets

New York, NY · On-site

At least 7 years of relevant commercial loan experience, credit, asset management or workout * At least 5 years of loan underwriting experience or 5 years of experience in loan restructuring ...

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Loan Restructuring Workout information

What is the difference between Loan Restructuring Workout vs Loan Underwriter?

AspectLoan Restructuring WorkoutLoan Underwriter
CredentialsFinancial analysis certifications, banking experienceFinancial analysis, credit analysis certifications
Work EnvironmentBanking, financial institutions, client meetingsBanking, credit departments, risk assessment
Industry UsageLoan modification, debt restructuringLoan approval, risk evaluation

Loan Restructuring Workout focuses on renegotiating loan terms to assist distressed borrowers, while Loan Underwriter evaluates creditworthiness to approve or deny loans. Both roles require financial analysis skills and operate within banking and financial institutions, but they serve different stages of the lending process.

What does a loan restructuring workout specialist do?

A loan restructuring workout specialist evaluates and negotiates modifications to existing loan agreements to help borrowers manage their debt more effectively. They analyze financial statements, develop repayment plans, and work with lenders to create feasible solutions, often requiring strong financial analysis and negotiation skills. The role aims to prevent default and improve the borrower's financial stability.

Is restructuring a good career path?

A career in loan restructuring involves analyzing and renegotiating loan terms to help borrowers avoid default, requiring strong financial analysis and negotiation skills. It can be a stable career within banking or financial services, often involving certifications like the CFA or CPA. The role offers opportunities for advancement and specialization in credit risk management.
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Loan Restructuring Workout jobs near you
Infographic showing various Loan Restructuring Workout job openings in the United States as of August 2026, with employment types broken down into 1% As Needed, 84% Full Time, 11% Part Time, and 4% Contract. Highlights an 96% Physical, 2% Hybrid, and 2% Remote job distribution.

AVP Loan Workout Officer & Portfolio Manager

Spencer Savings Bank

Elmwood Park, NJ • On-site

$124K - $155K/yr

Other

Medical, Dental, Vision, Life, Retirement, PTO

Posted 21 days ago

Job description

BASIC FUNCTION

This is a hybrid position with experience in both Loan Workout and Portfolio Management. A Loan Workout Officer is a critical player in the banking and financial sectors, dedicated to managing distressed loan portfolios and developing strategies for loan recovery and restructuring.

MAJOR RESPONSIBILITIES

  1. Review and analyze troubled loan portfolios to identify potential recovery strategies.
  2. Negotiate loan terms with borrowers to facilitate loan restructuring and workout plans.
  3. Prepare and present detailed reports on loan statuses and proposed recovery actions to senior management and Credit Committee.
  4. Collaborate with legal teams to ensure compliance with all regulatory requirements during loan workouts.
  5. Develop and implement recovery plans that align with the organization’s financial objectives.
  6. Monitor and track the progress of restructured loans to ensure adherence to new terms.
  7. Engage with external consultants and advisors to enhance recovery strategies.
  8. Conduct site visits and meetings with borrowers to assess their financial situations.
  9. Evaluate collateral and make recommendations on asset liquidation as necessary.
  10. Account management responsibility for any CRE Criticized / Classified or Pass rated loans.
  11. Provide ongoing credit oversight and portfolio management of the CRE loan portfolio through annual reviews, monitoring of covenant compliance and the creation and maintenance of “Watch List” credits.
  12. Analyze income producing properties and/or business financial statements/ tax return and identify financial ratios and trends.
  13. Ensure annual review and covenant compliance are completed.
  14. Work with the SVP / Director of Portfolio Management in in all matters related to the management of troubled CRE assets.
  15. Manage portfolio risk on a forward and proactive basis with respect to economic and industry trends, borrower concentrations, industry concentrations, likelihood of default and loss and criticized and classified loan migration.
  16. Ensures all responsibilities are carried out in accordance with applicable federal, state, and local laws, regulations, and organizational policies, maintaining the highest standards of ethical and legal compliance.
  17. Order appraisals, flood searches, and credit reports.


JOB REQUIREMENTS

Education:

College Degree

Experience:

  • Bachelor’s degree in finance, Business Administration, or a related field.
  • Experience in workout of loans or financial rehabilitation.
  • Strong negotiation and problem-solving skills.
  • Knowledge of regulatory requirements related to loan recovery.
  • Excellent communication and interpersonal skills.
  • Proficiency in financial analysis and reporting tools.
  • Advanced understanding of loan documentation and credit analysis.
  • Ability to manage multiple projects and deadlines effectively.
  • Minimum 5+ years of experience in a similar role.
  • Strong understanding of loan structures and credit risk.
  • Ability to analyze financial statements and borrower profiles.
  • Proficiency in spreadsheet and financial software applications.
  • Excellent organizational skills and attention to detail.
  • Effective communication skills, both written and verbal.
  • Ability to work independently and make informed decisions.

Benefits

  • Holidays
  • Vacation
  • Health/Dental
  • Vision Service Plan
  • Short Term Disability
  • Long Term Disability
  • Life Insurance
  • Flexible Spending Accounts
  • 401k Savings Plan
  • Tuition Reimbursement
  • Employee Assistance Program
  • Free Employee Checking Account