Mortgage loan underwriters are responsible for approving or rejecting mortgages. To make this decision, the mortgage underwriter must generate a risk report and demonstrate how the contents of the report are within the lender's guidelines for approval, or how the contents of the report fail to meet the guidelines.n either situation, the underwriters may need to explain the basis of their decisions to the clients, support staff or superiors. Excellent interpersonal skills are necessary to convince individuals who have a different tolerance for risk and who disagree with the mortgage underwriters' decisions.
Causes of kyphosis. Kyphosis may be caused by poor posture during childhood or be the result of abnormally shaped vertebrae or developmental problems with the spine.
Other potential causes of kyphosis include: 1  aging (especially if you have poor posture). 2  muscle weakness in the upper back. 3  Scheuermannâs disease (occurs in children and has no known cause). 4  arthritis or other bone degeneration diseases. 5  osteoporosis (loss of bone strength due to age). 6  injury to the spine.yphosis, also known as a round back or hunchback, is a condition in which the spine in the upper back has an excessive curvature. The upper back, or thoracic region of the spine, is supposed to have a slight natural curve.