Senior Private Lender

Secured-Investment-Corp-1; Coeur d'Alene (ID); On-site; USD 90,000 - 140,000; Full time

Benefits offered by this job

Competitive salary

Benefits package

PTO + holidays

401(k)

Book Club

Training & education

Career growth

Referral bonus

Culture & community

Ownership & purpose

Job summary

Cogo Nation is seeking a Senior Private Lender to build both sides of its lending platform in Coeur d’Alene, ID. You will cultivate private lenders and capital partners while generating fix-and-flip loan opportunities from real estate investors and referral networks.

This role focuses on fix-and-flip originations with knowledge of DSCR, commercial lending, and residential construction. You will meet partners in North Idaho, coordinate with investor relations, and guide opportunities from

Qualifications

• 5+ years of successful experience in private lending, real estate investment loan origination or related channel.
• Active book of relationships capable of generating capital introductions and borrower opportunities.
• Documented history of originating and closing loans and developing capital relationships.
• Strong knowledge of real estate investment lending, deal structure, leverage, and borrower risk.
• Strong communication, relationship-management, presentation, and negotiation skills.
• Able to meet clients across North Idaho and work in person from Coeur d’Alene office.

Responsibilities

• Cultivate relationships with private lenders, accredited investors, family offices, and other capital partners.
• Generate fix-and-flip loan opportunities from your network.
• Expand relationships throughout North Idaho and Spokane market with investors, brokers, agents, and partners.
• Meet with capital partners to understand objectives, risk, timing, and allocation capacity.
• Communicate lending opportunities clearly and coordinate next steps with investor relations and operations teams.
• Pre-qualify borrowers and structure fix-and-flip and other real estate loan requests.
• Evaluate acquisition costs, renovation scope, and exit strategy.
• Negotiate loan rates and terms while protecting credit quality and company economics.
• Coordinate with processing, closing, servicing, and investor relations teams to move loans forward.
• Maintain clear, responsive communication and follow-up with borrowers and partners.
• Maintain borrower, capital, pipeline, and production activity in CRM and loan systems.
• Meet agreed goals for new relationships, borrower opportunities, funded loans, and closures.

Skills

Private lending

Real estate lending

Capital relationships

Negotiation

Communication

In-person meetings

CRM software

Loan origination software

Tools

CRM software

Loan origination software

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.