Commercial Loan Workout Officer IV Salary in the United States

How much does a Commercial Loan Workout Officer IV make in the United States?

As of January 01, 2026, the average salary for a Commercial Loan Workout Officer IV in the United States is $168,795 per year, which breaks down to an hourly rate of $81.

However, a Commercial Loan Workout Officer IV's salary can vary significantly. Here’s a look at the typical salary range:

  • Top Earners (90th percentile): $175,795
  • Majority Range (25th-75th percentile): $145,777 to $172,459
  • Entry-Level (10th percentile): $124,820
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View as table View as graph 25% $145,777 10% $124,820 90% $175,795 75% $172,459 $168,795 50%(Median) Didn’t find job title? Click

Commercial Loan Workout Officer IV Salaries by Percentile

Annual
Salary		 Monthly
Pay		 Weekly
Pay		 Hourly
Wage
75th Percentile $172,459 $14,372 $3,317 $83
Average $168,795 $14,066 $3,246 $81
25th Percentile $145,777 $12,148 $2,803 $70
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Key Factors That Influence Commercial Loan Workout Officer IV Salaries

A Commercial Loan Workout Officer IV'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, education and company size can directly affect your earning potential.

How Experience Level Affects Commercial Loan Workout Officer IV Salaries?

Experience is a primary driver of a Commercial Loan Workout Officer IV'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:

  • Entry-Level (less than 1 year): $156,771
  • Early Career (1-2 years): $158,488
  • Mid-Level (2-4 years): $160,206
  • Senior-Level (5-8 years): $166,390
  • Expert (over 8 years): $170,272
Levels Salary
Entry Level Commercial Loan Workout Officer IV$156,771
Intermediate Level Commercial Loan Workout Officer IV$158,488
Senior Level Commercial Loan Workout Officer IV$160,206
Specialist Level Commercial Loan Workout Officer IV$166,390
Expert Level Commercial Loan Workout Officer IV$170,272
$156,771 0 yr
$158,488 < 2 yrs
$160,206 2-4 yrs
$166,390 5-8 yrs
$170,272 > 8 yrs
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What Am I Worth?

Top Paying Cities for Commercial Loan Workout Officer IVs

Salaries can also vary between different cities. Major metropolitan areas or cities with a high demand for technicians often offer more competitive pay. Here are a few examples of average annual salaries in different U.S. cities:

  • San Jose: $212,901
  • San Francisco: $210,808
  • Oakland: $206,132

What Skills Can Increase a Commercial Loan Workout Officer IV's Salary?

Demanded Skills for the Role:

  • Analysis (Mentioned in 10.13% Job Postings): Analysis is the process of considering something carefully or using statistical methods in order to understand it or explain it.
  • Bankruptcy (Mentioned in 1.27% Job Postings): Bankruptcy helps people who can no longer pay their debts get a fresh start by liquidating assets to pay their debts or by creating a repayment plan.
  • Credit Reports (Mentioned in 1.27% Job Postings): Credit report is a statement that has information about your credit activity and current credit situation such as loan paying history and the status of your credit accounts. It allows to check for any delinquency in past and present credit accounts.
See More Skills
Skills Demand Percentage
Analysis 10.13%
Bankruptcy 1.27%
Credit Reports 1.27%
What skills can make your compensation higher?
Mastering certain specialized skills can lead to a significant increase in pay. Here are examples of skills and the potential impact they can have on a Commercial Loan Workout Officer IV's salary.
  • Communication Skills: Can increase your salary by up to 36%.
  • Credit Reports: Can increase your salary by up to 35%.
  • Presentation: Can increase your salary by up to 30%.
Skill Salary Salary % Increase
Communication Skills
 $229,561
36%
Credit Reports
 $227,873
35%
Presentation
 $219,434
30%
Problem Solving
 $192,426
14%
Word Processing
 $192,426
14%
Accountability
 $192,426
14%
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How Education impacts a Commercial Loan Workout Officer IV's Salary?

Your level of education can impact your salary potential. While many Commercial Loan Workout Officer IVs enter the field with a Associate's Degree degree, higher education can lead to more specialized and higher-paying roles.

According to our 100% employer-reported salary data, the median salary for a Commercial Loan Workout Officer IV with a Associate's Degree is between $142,829 and $152,458).

Commercial Loan Workout Officer IV Salaries by Degree Level

Typical Education for Commercial Loan Workout Officer IV
Degree Level % of user with this level of education
No Diploma 15.8%
High School 15.8%
Associates 57.9%
Bachelors 21.1%
Masters 57.9%
Doctorate 5.3%
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Commercial Loan Workout Officer IV Salary: Hourly Rate, Weekly Pay, and Monthly Pay

Understanding how a Commercial Loan Workout Officer IV'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.

  • Hourly
  • Monthly
  • Weekly
  • Yearly
  • Table View
Last Updated on January 01, 2026
$145,777
Average $168,795/year
$172,459
$12,148
Average $14,066/month
$14,372
$2,803
Average $3,246/week
$3,317
$70
Average $81/hour
$83
Annual Salary Monthly Pay Weekly Pay Hourly Wage
75th Percentile $172,459 $14,372 $3,317 $83
Average $168,795 $14,066 $3,246 $81
25th Percentile $145,777 $12,148 $2,803 $70

Commercial Loan Workout Officer IV Salary Growth & Career Path

Commercial Loan Workout Officer IV
Loan Workout Manager
Loan Workout Senior Manager

For a Commercial Loan Workout Officer IV, the most direct path to higher earnings is advancing to the Loan Workout Manager role. This promotion typically comes with a significant pay increase, bringing the average annual salary to $218,460 - a projected growth of 29% over your current level.

Salaries of jobs related to Commercial Loan Workout Officer IV

Salary Trends for Commercial Loan Workout Officer IV

Salaries for a Commercial Loan Workout Officer IV can change over time, reflecting shifts in market demand and the overall economy. The median salary decreased from $110,194 in 2023 to around $108,084 in 2025, reflecting changes in demand, location, experience, and the wider economy. For a detailed analysis of Commercial Loan Workout Officer IV salary trends, .

Average Annual Salary of Commercial Loan Workout Officer IV Over Time

2022
$???
2023
$110,194
2024
$109,545
2025
$108,084
2026
$???
2027
$???
Year Average Annual Salary
2022
View More
2023 $110,194
2024 $109,545
2025 $108,084
2026
View More
2027
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Most common benefits for Commercial Loan Workout Officer IV

Social Security
401(k)
Disability
Healthcare
Pension
Time Off (days)
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Common company salaries for Commercial Loan Workout Officer IV

Here are companies hiring for Commercial Loan Workout Officer IV and their salaries, click below for more details.

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Ready to take the next step in your career? Browse thousands of current Commercial Loan Workout Officer IV job openings on our job board. Use the search bar below to find your perfect match.

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FAQ about Commercial Loan Workout Officer IV

1. Where can a Commercial Loan Workout Officer IV earn the most?

A Commercial Loan Workout Officer IV's earning potential can vary widely depending on several factors, including location, industry, experience, education, and the specific employer. According to the latest salary data by Salary.com, a Commercial Loan Workout Officer IV earns the most in San Jose, CA, where the annual salary of a Commercial Loan Workout Officer IV is $212,901.

2. What is the highest pay for Commercial Loan Workout Officer IV?

The highest pay for Commercial Loan Workout Officer IV is $175,795.

3. What is the lowest pay for Commercial Loan Workout Officer IV?

The lowest pay for Commercial Loan Workout Officer IV is $124,820.

4. What are the responsibilities of Commercial Loan Workout Officer IV?

Restructures problem loans for commercial clients. Negotiates with lending personnel and commercial borrowers to better secure collateral and/or assets of the borrower. Works with the largest and most complex loans. Typically requires a bachelor's degree. Typically reports to a manager or head of a unit/department. A specialist on complex technical and business matters. Work is highly independent. May assume a team lead role for the work group. Typically requires 7+ years of related experience.

Where Does Our Salary Data Come From?

Salary.com provides salary estimates, histograms, trends, and comparisons using data from employer job postings and third-party sources.

We offer detailed salary information across multiple percentiles for your reference. (Click here to learn Why the Salary Midpoint Formula Is Crucial for Achieving Pay Equity.)

With the most extensive online, real-time compensation data available, Salary.com helps you pinpoint your exact pay target.

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