Senior Problem Loan Workout Officer - Restructuring Specialist

Job Description

Job Description

Job Title: Senior Problem Loan Workout Officer – Restructuring Specialist

Locations: Atlanta, GA; Charlotte, NC; Orlando, FL

Industry: Financial Services / Commercial Banking

Salary: $87,360-$155,000

Role Overview

Manage and maximize recovery on a portfolio of complex classified commercial loans in accordance with institutional policy, regulatory procedures, and strategic recovery goals. The successful candidate will oversee a portfolio of high-value, complex credit structures—primarily syndicated corporate and middle-market loans—while identifying capital market opportunities and fee generation potential.

Essential Functions

• Portfolio Management: Lead the restructuring and resolution of complex syndicated credits, serving as the lead agent or active participant in steering committees to influence credit resolution strategies.
• Professional Advisory Oversight: Coordinate and manage relationships with external restructuring professionals, including legal counsel, financial advisors, and investment bankers.
• Stakeholder Engagement: Partner with internal debt trading desks, leveraged finance teams, and sponsor groups to explore resolution strategies such as capital raises, bond issuances, or asset sales.
• Executive Representation: Act as the primary point of contact for C-suite executives of publicly traded companies under economic stress, negotiating consensual paths forward that protect the institution's interests.
• Restructuring & Recapitalization: Drive the balance sheet restructuring process (both in-court and out-of-court) and oversee asset marketing processes for liquidations or going-concern sales.
• Negotiation & Documentation: Lead the negotiation of critical documentation, including credit agreements, inter-creditor agreements, restructuring support agreements (RSAs), and non-disclosure agreements.
• Strategic Reporting: Provide accurate monthly forecasting for non-performing assets and charge-offs; complete impairment analyses and accrual justifications for criticized asset reporting.
• Internal Consultancy: Advise middle-market relationship managers and credit officers on risk mitigation strategies for emerging criticized credits.

Required Qualifications

• Education: Bachelor’s degree in Business, Finance, Banking, or a related field.
• Experience: Minimum of 15 years in commercial banking, loan workout, or distressed debt management.
• Technical Expertise: Significant experience with syndicated and complex credit structures , including in-depth knowledge of capital markets products and balance sheet management.
• Legal Knowledge: Comprehensive understanding of U.S. Bankruptcy Law and both in-court and out-of-court restructuring processes.
• Soft Skills: Exceptional negotiation and interpersonal skills; the ability to maintain composure and deliver firm messaging in high-pressure or adversarial environments.

Preferred Qualifications

• MBA or Master’s degree in Finance or Banking.
• 20+ years of experience in commercial loan workouts and senior relationship management.

Benefits & Culture

Our client is a leading financial institution offering a comprehensive benefits package to regular employees (20+ hours/week). Benefits include:

• Health & Wellness: Medical, dental, and vision insurance; life and disability coverage.
• Financial Security: 401(k) plan with matching and potential eligibility for a defined benefit pension plan or restricted stock units (RSUs).
• Work-Life Balance: Minimum of 10 days’ vacation, 10 sick days, and paid holidays.

Our client is an Equal Opportunity Employer and maintains a Drug-Free Workplace.