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omar cobrerosOC
Looking for a job

omar cobreros

@omarcobreros

Mortgage Technology Product Owner | Underwriting Automation, LOS Integrations and AI Workflows

United States
Message

I build and run the technology that moves mortgage loans from application to funding. I started at loanDepot as a mortgage closer, auditing closing packages against lender guidelines, and for the last four years I've owned the backlog, releases and roadmap for an automated underwriting platform handling 1M+ loans and $6B+ annually.

That path gave me a close view of where mortgage work breaks down and how to automate it safely. I turn lender and regulatory requirements into InRule business rules, and I've delivered Automated Income Verification and Automated Credit Decisioning, each improving efficiency by about 30%.

I like working in the details. I triage issues by reading JSON and XML payloads, validate integrations in Postman, confirm data with SQL, and work across Black Knight/DarkMatter, Encompass and Empower, including their pricing engines. I've also built three AI agents that handle release notes, deployment alerts and ticket intake, so I have a practical sense of where AI adds real value in a regulated industry.

I'm curious, I enjoy the unglamorous work that makes a product reliable, and I learn best from the people who use it. I'm especially interested in how AI can reshape mortgage technology.

Open to conversations about product, analyst and mortgage technology roles.

If you'd like it shorter for a character limit, or in a different tone, I can trim it.

Experience

Work history, roles, and key accomplishments

LoanDepot logoLO
Current

Product Analyst

Aug 2022 - Present (4 years 2 months)

Product owner for a mortgage underwriting automation platform: I own the backlog and releases, turn lender and regulatory rules into InRule logic (100% guideline adherence), and triage JSON/XML and API issues across Black Knight, Encompass and Empower. Delivered income and credit automation that cut effort about 30%, and built three AI agents that remove hours of daily admin work.

LoanDepot logoLO

Loan Closer/Funder

Aug 2020 - Aug 2022 (2 years)

Audited closing packages with automated validation tools, catching missing signatures, incorrect dates and guideline deviations before funding.
Tracked evolving lender guidelines daily and adjusted processes to prevent errors, which later informed the underwriting automation I built.

Education

Degrees, certifications, and relevant coursework

Citrus High logoCH

Citrus High

Diploma, General

2009 - 2013

Grade: 3.8

Activities and societies: Avid, Advanced subject classes

Graduated with 3.8 average GPA, involved in avid and more extra curricular activities.

Availability

Looking for a job

Location

United States

Authorized to work in

Salary expectations

80k+ USD

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