Senior Private Lender

Secured Investment Corp; Coeur d'Alene (ID); On-site; USD 120,000 - 200,000; Full time

Benefits offered by this job

Competitive Salary + incentives

Full Benefits Package

PTO + 9 paid holidays

401(k)

Book Club & Learning opportunities

Career growth opportunities

Referral bonus

Culture of excellence

Job summary

Cogo Nation is seeking a Senior Private Lender to build both sides of its lending platform by cultivating capital relationships and sourcing borrower opportunities. The role requires an active book of business and a proven track record in private lending across fix-and-flip and related loan types.

You will travel regionally within North Idaho and the Spokane area, meeting lenders and investors to drive funded loan volume while maintaining strict credit standards and company economics.

Qualifications

• 5+ years in private lending or real estate loan origination.
• Active book of relationships for capital introductions and borrower opportunities.
• Proven history of originating and closing loans with strong deal judgment.
• Knowledge of real estate investment lending, leverage, and borrower risk.
• Excellent communication, relationship-management, presentation, and negotiation skills.

Responsibilities

• Cultivate relationships with private lenders, accredited investors, family offices, and capital partners.
• Generate fix-and-flip loan opportunities from existing borrower and referral network.
• Expand relationships across North Idaho and Spokane market with investors and agents.
• Meet with partners to understand investment objectives, risk, timing, and capacity.
• Communicate lending opportunities clearly and coordinate with investor relations and operations.
• Pre-qualify borrowers and structure fix-and-flip and other loan requests.
• Evaluate costs, scope, value, leverage, borrower strength, and exit strategy.
• Negotiate loan rates and terms while protecting credit quality and economics.
• Coordinate with processing, closing, servicing, and investor relations teams.
• Maintain accurate borrower, capital, pipeline, and production activity in CRM systems.
• Meet agreed goals for new capital relationships, borrower opportunities, funded loans, and closed production.

Skills

Private lending

Real estate investing

Relationship management

Loan origination

Negotiation

Tools

CRM software

Loan origination systems

Investor relations platforms

Job description

Description

Company: Cogo Nation

Location: In person - Coeur d’Alene, ID

We get more of what we want by helping others get more of what they want.

The Opportunity

Cogo Nation is a national real estate investment, lending, and education company and one of the nation’s leading providers of capital, fund opportunities, and education for real estate investors. We are a rapidly growing company offering beneficial investment-property mortgage products and services to borrowers on a national scale.

As a Senior Private Lender, you will build both sides of Cogo Nation’s lending platform: the capital relationships that fund loans and the borrower relationships that create lending opportunities. You will cultivate private lenders, accredited investors, family offices, and other capital partners while also generating fix-and-flip loan opportunities from real estate investors, brokers, agents, and referral partners. The primary lending focus of this role is fix-and-flip originations, although experience in DSCR, commercial lending, and residential new-construction lending is highly valuable. We are looking for an experienced, relationship-driven professional with an active book of business, strong deal judgment, and the ability to turn trusted relationships into both deployable capital and closed loans.

What You’ll Do

• Cultivate relationships with private lenders, accredited investors, family offices, and other capital partners
• Generate fix-and-flip loan opportunities from your existing borrower and referral network
• Expand relationships throughout North Idaho and the greater Spokane market with real estate investors, brokers, agents, property managers, private lenders, and capital partners
• Meet with current and prospective capital partners to understand their investment objectives, risk preferences, timing, and allocation capacity
• Communicate company-approved real estate-backed lending and investment opportunities clearly and accurately, and coordinate appropriate next steps with the investor relations and operations teams
• Prospect strategically on both sides of the platform to create new capital relationships and qualified borrower opportunities
• Pre-qualify borrowers and structure fix-and-flip and other real estate investment loan requests
• Evaluate acquisition cost, renovation scope, as-is value, after-repair value, leverage, borrower strength, and exit strategy
• Negotiate loan rates and terms effectively while protecting credit quality and company economics
• Coordinate closely with processing, closing, servicing, and investor relations teams to move loans and capital opportunities forward
• Maintain clear, responsive communication and disciplined follow-up with borrowers, referral partners, and capital relationships
• Maintain accurate borrower, capital, pipeline, and production activity in the company CRM and loan systems
• Meet agreed goals for new capital relationships, borrower opportunities, funded loan volume, and closed production

Requirements

WHAT YOU’LL NEED:

• 5+ years of successful experience in private lending, real estate investment loan origination, capital relationships, or a closely related lending channel
• An active book of relationships capable of generating both capital introductions and borrower opportunities
• A documented history of originating and closing loans, developing capital relationships, and generating production quickly
• Strong working knowledge of real estate investment lending, deal structure, collateral analysis, leverage, and borrower risk
• Strong communication, relationship-management, presentation, and negotiation skills
• Ability to meet with clients throughout North Idaho and work in person from our Coeur d’Alene office

It’s Great If You Have

• Existing relationships throughout North Idaho and the greater Spokane market among real estate investors, private lenders, and referral partners
• A proven track record originating and closing fix-and-flip or bridge loans, with additional experience in DSCR, commercial, or residential new-construction lending
• Experience developing capital relationships, raising private capital, selling individual notes, or supporting investor relations for a private lender or investment fund
• Familiarity with CRM, loan origination, investor relations, or loan servicing software

Why You’ll Love It Here

• Competitive Salary + Performance Incentives
• Full Benefits Package: Medical, dental, vision, EAP, Life Insurance
• PTO + 9 Paid Holidays
• 401(k)
• Reading Incentive: Join our Book Club and earn just for reading and sharing your thoughts.
• Unlimited Learning: Access to industry-leading training and education.
• Career Growth: Big opportunities, real advancement.
• Referral Bonus: Bring your friends. Get rewarded.
• Culture That Celebrates You: From company potlucks and monthly wins to our legendary Christmas party, birthday surprises, walk-a-thons, and sports tournaments, we work hard and have fun doing it!
• A Culture of Excellence, Ownership, and Purpose: You’ll never just be a number here.

About Cogo Nation

Cogo Nation is a community of entrepreneurs, real estate investors, brokers, and rehabbers committed to building lasting wealth together. Founded by Lee Arnold, Cogo Nation grew from a bold idea: that financial freedom can be learned, shared, and scaled. What began as a single training system—the Circle of Wealth—has developed into a national community anchored by successful real estate investing, values-driven leadership, and powerful partnerships.

Today, Cogo Nation brings together a thriving network of corporate team members, regional coaches, private lenders, and clients. Our mission is to transform lives by equipping people to build wealth, pursue purpose, and create positive influence through real estate investing, education, and meaningful relationships.

Cogo Nation is an equal opportunity employer. Employment decisions are based on qualifications, merit, and business needs and are made without regard to religion or any other characteristic protected by applicable law.