As of August 01, 2026, the average salary for a Loan Restructuring Officer I in the United States is $62,900 per year, which breaks down to an hourly rate of $30.
However, a Loan Restructuring Officer I's salary can vary significantly. Here’s a look at the typical salary range:
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A Loan Restructuring Officer I's salary isn't a fixed number. It's shaped by several important factors. Below, we'll explore how your years of experience, geographic location, and company size can directly affect your earning potential.
Experience is a primary driver of a Loan Restructuring Officer I's salary. As you build your skills and take on more complex tasks, your compensation generally increases. Here's how the average salary grows at different career stages:
| Job Role | Years of Experience | Average Salary |
|---|---|---|
| Loan Restructuring Officer I | 0-2 years | $62,898 |
| Entry Loan Workout Officer | 2-4 years | $76,626 |
| Intermediate Loan Workout Officer | 4-7 years | $106,230 |
| Loan Restructuring Officer IV | 7+ years | $137,546 |
| Commercial Loan Restructuring and Workout Manager | 7+ years | $148,543 |
What Am I Worth?
Your salary can change significantly depending on where you work. States with a higher cost of living and strong industrial sectors often pay more to attract Loan Restructuring Officer Is. For example, consider the average annual salaries in these key locations:
Loan Restructuring Officer I salary potential scales significantly with company size. Data shows that Enterprise companies (5,000+ employees) pay the highest average salary at around $67,015. While startup companies pay approximate $56,905.
| Company Size | Employees | Average Salary |
|---|---|---|
| Startup | 1~50 | $56,905 |
| Growth Stage | 51~500 | $60,135 |
| Established | 501~5000 | $64,774 |
| Enterprise | 5000+ | $67,015 |
For Loan Restructuring Officer I roles, the industry you choose can impact your earning potential by as much as 20% (the gap between the highest and lowest paying industries). Data shows that the highest-paying industry, Edu., Gov't. & Nonprofit, offers compensation 10% above the average. Conversely, Loan Restructuring Officer positions in Business Services typically offer lower base pay, as this sector often view Loan Restructuring Officer I as a support function rather than a direct revenue driver.
| Industry Sector | Average Annual Salary | Average Hourly Rate | Pay vs.Avg |
|---|---|---|---|
| Edu., Gov't. & Nonprofit | $69,190 | $33.0 | 10% |
Understanding how a Loan Restructuring Officer I's annual salary breaks down can help with budgeting. Below, you can see the average hourly rate, weekly pay, and monthly pay for this role. Use the buttons to switch between different pay periods.
Last Updated on August 01, 2026Promotions are the fastest way to increase your earnings. As a Loan Restructuring Officer I, you have the following paths for advancement. The table below compares the salary raises for common next-step roles. By comparing these figures, you can choose the career path that best meets your financial goals.
| Next Step Role | Estimate Salary | Projected Raise |
|---|---|---|
| Commercial Loan Restructuring Officer II | $95,100 | 51% |
| Entry Loan Workout Officer | $76,700 | 22% |
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The Edu., Gov't. & Nonprofit industry offers the highest average compensation for Loan Restructuring Officer I roles, with salaries approximately 10% above the market median.
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