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 is most common in the thoracic spine, though it can also affect the cervical and lumbar spine. There are several causes of kyphosis in adults. The first is congenital, which means it is a condition present from birth. A congenital spine problem affects the development of the spine. The second cause is traumatic, which means it is caused by a trauma or injury to the spine.