Financial Restructuring & Recovery Officer

Job Description

The Financial Restructuring & Recovery Officer is responsible for managing complex, high-risk and distressed commercial credit relationships, including restructurings, bankruptcies, litigation, and recoveries. This role performs in-depth financial, legal, and business analysis to assess repayment risk, develop rehabilitation or exit strategies, and maximize recoveries while minimizing losses. The officer serves as a key point of contact for distressed customers and works closely with internal partners, legal counsel, and senior leadership.

Find out more here about how you can unleash your full potential at DLL

Day to Day

Portfolio & Risk Management

• Aggressively manage a portfolio of distressed relationships, including restructurings, forbearance, repossessions, legal remedies, and bankruptcies.
• Perform comprehensive credit evaluations and risk analysis across multiple wholesale and retail industries, including Food Ag & Outdoor, Construction, Transportation & Industrial, Technology Solutions, Office Equipment, Clean Technology, and Healthcare.
• Escalate material risks and emerging issues to management in a timely manner.

Restructuring, Workout & Recovery Strategies

• Develop and execute restructuring, rehabilitation, exit, liquidation, and recovery strategies to mitigate risk and preserve collateral.
• Propose and implement negotiated settlements, payment arrangements, legal actions, and repossession/remarketing strategies as appropriate.
• Monitor compliance with restructured agreements, ensure payment arrangements are adhered to, and apply funds accurately.
• Manage aftercare portfolios and execute deficiency balance recovery strategies to maximize collections.

Financial, Legal & Business Analysis

• Perform in-depth analysis of financial statements, cash flow, collateral, market conditions, legal documentation, and contractual risk.
• Maintain advanced understanding of bankruptcy proceedings, UCC, federal and state collection laws, creditor rights, and litigation processes.
• Work closely with outside counsel to manage litigation, bankruptcy cases, and enforcement actions.
• Ensure compliance with all global and local credit, risk management policies, vendor program agreements, and loss pool/recourse requirements.

Stakeholder Communication & Leadership

• Develop and maintain effective working relationships with distressed customers to influence business plans and outcomes, with the objective of rehabilitation where feasible.
• Coordinate, prepare and present Loan Strategy Reports local and global senior management and credit committees.
• Collaborate cross-functionally with Legal, Credit, Sales, Asset Management, Remarketing, Commercial Finance, Portfolio Management, and vendor partners.
• Provide guidance, coaching, and support to Litigation & Recovery team members on risk assessment and workout strategies for smaller or less complex accounts.
• Contribute to policy, procedure, and process development; support training and risk awareness initiatives across the organization.

All members enjoy

• Two working days per year volunteering for a local charity.
• Health and Wellness program including healthy food, free health checks, fun health & vitality activities.
• Flexible hours with possibility to work from home
• Career development opportunities: online learning, member development programs.
• Click this link for an overview of all the benefits in your region.

"We lead the way in meeting the need for flexibility and transparency which our customers increasingly expect"

Essentials:

• Bachelor's degree in Finance, Business, Accounting, or a related field (MBA preferred), or equivalent relevant experience.
• 7-10+ years of progressive experience in commercial credit, restructuring, workouts, litigation, or recovery, with exposure to complex and large-ticket transactions.
• Advanced expertise in financial analysis, credit risk management, restructuring techniques, and workout strategies for complex credits.
• Strong knowledge of bankruptcy law, UCC, collection laws, litigation processes, and creditor remedies.
• Ability to synthesize complex financial, legal, and operational data and translate it into clear risk recommendations and action plans.
• Excellent written and verbal communication skills, with the ability to present strategies and outcomes to senior leadership.
• Proven ability to prioritize multiple competing demands and operate effectively in a fast-paced, high-risk environment.
• Strong collaboration skills and the ability to work effectively in a networked, cross-functional organization.
• Proficiency with Excel, Word, and financial statement spreading or analysis tools preferred.

Choose Wellbeing

DLL's wellbeing ambition is to educate, equip and empower members to build connections, manage their mental, emotional, physical and financial wellness and maintain balance between work and the other priorities that make up their lives.

Our four wellbeing categories are as follows:

• Connection - Build meaningful connections with other DLL members
• Health - Manage mental, emotional and physical health
• Finance - Provide learning opportunities to help members achieve personal financial health
• Lifestyle - Maintain balance between work and life priorities

These are the things that matter to our members and the wellbeing of our members matters to DLL!

Settling In

At DLL, we are many things. We are team members, family members, community member. We are members of society, members of different cultures and nationalities. Members of change. We each have different beliefs, different passions, different viewpoints, talents and interests. We come from different backgrounds, cultures, nationalities and histories.

But for all of our differences, we share one thing in common: each of us are members of DLL.

Our company was founded in the Netherlands. But today we are truly a multinational business. Our unique culture is rooted in higher collaboration, less hierarchy and an honest directness that enable us to integrate, ideate and innovate across country lines.

Many companies say they are European, American, Asian or Australian, at DLL we are all these places and more.

We are a cross-culture collaborative - an interconnected network - that comes together every single day with one goal in mind: Partnering for a better world.

Good to Know

Desired Primary Work Location: Wayne, PA / Des Moines, IA

Applicable pay range

$89,510.00 - $134,264.00

DLL is considering candidates in numerous locations. The pay estimate displayed represents the typical pay range for candidates hired for this position in the desired primary work location. Pay may be adjusted outside the projected range based on geographical differentiation as well as for any other lawful reason. Additional factors that may be used to determine your actual pay include your specific skills, years of relevant experience you possess, and other work-related qualifications. Many candidates may start in the bottom half of the applicable pay range, especially those with less experience or qualification.

This position is subject to the terms of DLL's compensation plans and policies. Further, the position includes all other benefits provided to DLL employees, including healthcare benefits, 401k matching, vacation, sick leave, parental leave, possible discretionary bonuses, and all other benefits that are all governed by and subject to ERISA plan documents and eligibility.

• Deadline for application: Thursday, June 11, 2026 (Due to high volume of applications this requisition may close prior to posted close date)
• The selection process may involve an assessment.
• Applications via email will not be reviewed. Please apply online via our career website.
• DLL's referral program applies
• #WC1
• For more information, please contact our Talent acquisition partner Wayne Croft via View email address on click.appcast.io

DLL appreciates the time you spend applying to our openings. We advise only those who qualify for an interview will be contacted. Hiring subject to successful completion of a background check.

DLL is an equal opportunity employer. We are committed to inclusive, barrier-free recruitment and selection processes and work environments. If contacted for an employment opportunity, please advise Human Resources if you require accommodation in accordance with our values and all applicable legislation.

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About Us

DLL, a great place to build your career

DLL is a global asset finance company that partners with manufacturers, dealers, distributors, and end users to facilitate access to equipment and technology. Headquartered in Eindhoven, the Netherlands, we operate in over 25 countries, offering financial solutions across various industries. We are also a 100% subsidiary of our parent company Rabobank, one of the world's largest financial companies. Join our community of over 6.000 members from 75 nationalities! At DLL, our unique culture - shaped by our values (We put our customers first -Together we achieve more-You can count on me - I challenge myself and others to grow) and behaviors that define us - is at the heart of everything we do.

We offer exciting job opportunities where you feel welcomed, respected and empowered to be your authentic self and share your best ideas. At DLL, we believe in the strength of our diverse perspectives and experiences, which make our global community thrive.

You'll receive competitive pay, generous benefits, health and wellbeing support, and manage your work-life balance through our hybrid working flexibility.

Our global operations offer you a variety of development opportunities and we encourage you to take on new challenges across our departments, businesses and regions.

Our company strategy emphasizes our commitment to sustainable business and making social impact is part of that as well. Together, we'll "Partner for a better world" to make a positive impact. Joining DLL, means joining a company that consistently scores higher than the industry average in Employee Engagement surveys. This is also being acknowledged through many Great Place to Work certificates. People who work at DLL, like DLL.


Join us in Partnering for a better world!