Fortress or Fault Line? What Bankers Are Really Facing in the Age of CRE Stress and Consumer Credit Shifts

DONNA DELAROSABlog

The Call Every Banker Remembers It usually happens on a Wednesday. A loan officer opens their inbox to see a message flagged urgent: “Tenant filed for bankruptcy. Cash flow disruption expected. Requesting modification.” That single line represents exactly what banks fear—unpredictability. In 2024–2025, those emails have become a lot more common. Office occupancy hasn’t recovered. Leasing debt is aging. Large …