Hi dirtguy50,
Welcome to this forum.
As far as I can see, the problem is located on the old leaves. So normal aging for me .
Next year in March, or April, you can hit this tree with some fertilizer or/and pot it up .
You could still hit her now with a bit of fertilizer to help the tree thicken its trunk before dormancy. I bought some fig trees last week and hit them with fertilizer on planting them as the dirt in their pots looked exhausted .
If the tree has been growing normally she won't use the fertilizer for growing as temps do not encourage her to.
To do or not to do ... The choices are yours :) .
What king of medium do you have in that pot ?