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.
1 Joint Dysfunction. 2  Pain caused by joint dysfunction, where the ribs attach to the spine at each level of the thoracic spine, can cause pain. 3  Herniated or degenerative discs. 4  While less common in the thoracic spine, degenerative disc disease or a thoracic herniated disc can be a source of pain.here are several features of the thoracic spine that distinguish it from the lumbar and cervical spine: 1  Limited flexibility. 2  The ribs connected to T11 and T12 at the bottom of the thoracic spine do not attach the sternum in front, but do provide protection for the kidneys in the back of the body.