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.
Hyperkyphosis is a spinal deformity causing a forward-curved posture of the upper back or thoracic spine. Your posture is the characteristic way you position your body; normal posture changes many times throughout the day.Sometimes, however, a person's body curvature can become excessive and unchanging.yperkyphosis can result from conditions such as osteoporosis or thinning bones, and fractures of the vertebrae that result from thin bones. However, research has found that two thirds of people with hyperkyphosis do not have spinal fractures.