Branch Manager

Secured Investment Corp is the fastest growing private money lender in the Pacific Northwest, and has a vast portfolio of real estate investment brands. Our brands include Cogo Capital, Lake City Servicing, The Lee Arnold System and several smaller niche brands and products.

Our brands have helped tens of thousands of real estate investors expand their revenue generating potential by effectively broadening their knowledge base in real estate investing. We teach our clients how to locate real estate, supply them with the funding for their projects, and offer them a way to invest their earnings through our high yield private equity funds. We are a One Stop Shop for any investor who is looking to flip properties, broker real estate loans, create passive income, and ultimately, build generational wealth. We’ve been in business locally in Coeur d’Alene for over 20 years, and are very passionate about helping our clients realize their goals in Real Estate Investing.

Secured Investment Corp is a multi-million dollar national real estate investment firm located in Coeur d'Alene, Idaho. We were voted one of best places to work in North Idaho. Check us out: https://www.bestplacestoworkinidaho.com/places/secured-investment-corp/

We are looking for a Branch Manager for our Cogo Capital division. As a branch manager for our lending company, your responsibilities are multifaceted, requiring a blend of leadership, financial acumen, customer service, and operational efficiency. Here are some key responsibilities:

Leadership and Staff Management

• Supervise and Lead Staff: Manage, mentor, and motivate a team of loan officers, loan processors, loan analyst, and other staff members.
• Recruitment and Training: Hire new staff members and ensure ongoing training and development to keep the team updated on policies, procedures, and industry regulations.
• Performance Management: Set performance targets, conduct regular performance reviews, and implement improvement plans for underperforming staff. Managing the expectations of the KPI’s that have been set.

Customer Service

• Customer Relationship Management: Build and maintain strong relationships with clients to understand their financial needs and provide suitable lending solutions.
• Issue Resolution: Address and resolve customer complaints and issues promptly to ensure high levels of customer satisfaction.

Financial Management

• Financial Analysis: Oversee the evaluation and approval of loan applications, ensuring adherence to company policies and regulatory guidelines.
• Risk Management: Assess and manage the branch’s lending risk to minimize defaults and maximize profitability.
• Budgeting: Prepare and manage the branch’s budget, ensuring cost control and efficient allocation of resources.

Operations and Compliance

• Operational Efficiency: Ensure smooth day-to-day operations of the branch, including workflow management and resource allocation.
• Compliance: Ensure the branch complies with all relevant laws, regulations, and company policies. This includes staying updated on changes in lending laws and practices.
• Audit Preparation: Prepare for and assist with internal and external audits, ensuring all records and processes meet regulatory standards.

Business Development

• Marketing and Sales: Develop and implement marketing strategies to attract new clients and retain existing ones. This includes promotional activities, community engagement, and networking.
• Product Development: Identify market needs and work with senior management to develop new loan products and services.

Reporting and Analysis

• Performance Reporting: Monitor and report on the branch’s performance metrics, including loan volume, approval rates, customer satisfaction, and financial performance.
• Market Analysis: Analyze market trends and competitor activities to identify opportunities and threats to the branch’s business.

Strategic Planning

• Goal Setting: Set short-term and long-term goals for the branch in alignment with the company’s strategic objectives.
• Execution of Strategic Initiatives: Implement strategies and initiatives to drive business growth and achieve the branch’s objectives.

Qualifications & Experience

• Education: Bachelor’s degree in Business Administration, Finance, Accounting, Economics, or a related field (MBA is a plus).
• Experience: At least 5 years of experience in banking, lending, or financial services, with 2 years in a managerial role.
• Industry Knowledge: Strong understanding of loan products, credit underwriting, risk assessment, and regulatory compliance.
• Leadership Experience: Proven track record of managing teams, meeting sales targets, and driving business growth.

Skills & Competencies

• Financial & Business Acumen: Ability to analyze financial statements, assess creditworthiness, and manage P&L.
• Sales & Marketing: Experience in business development, loan origination, and customer acquisition.
• Regulatory Compliance: Knowledge of lending laws, KYC/AML regulations, and risk management practices.
• Customer Relationship Management: Strong interpersonal skills to build and maintain relationships with clients and stakeholders.
• Decision-Making & Problem-Solving: Ability to handle complex situations and make informed lending decisions.
• Leadership & Team Management: Ability to train, mentor, and motivate a team to achieve targets.

Key Responsibilities

• Oversee branch operations, ensuring efficient loan processing and disbursement.
• Develop and implement strategies to achieve business goals and profitability.
• Ensure compliance with financial regulations and company policies.
• Lead and train staff in sales, customer service, and risk management.
• Build relationships with customers, local businesses, and community organizations.
• Monitor and report on branch performance, including loan portfolios and collections.
• Manage risk assessment and handle delinquent accounts.

Personal Attributes

• High integrity and ethical standards.
• Strong leadership and motivational skills.
• Excellent communication and negotiation abilities.
• Problem-solving mindset and results-oriented approach.
• Ability to work under pressure and meet deadlines.