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.
Kyphosis by itself refers to an excessive convex curvature of spine occurring in the thoracic and sacral regions. A normal thoracic curvature from the 1st to the 12th spine has a naturally occurring convex shape with angles ranging from 20 degrees to 45 degrees. When the curvature goes past 45 degrees, the condition is termed as Kyphosis.