what is the underwriter s role 
an underwriter is a financial professional who researches and assesses the financial risk of a potential insurance policy security or loan to determine whether an institution should take on the risk and if so how much it should charge to ensure a profit can an underwriter deny an insurance policy or loan yes if the riskiness of a borrower or insurance policy applicant is deemed too great the underwriter can either recommend higher rates or else deny the application entirely they must also ensure they are not breaking any anti discrimination laws and are only evaluating objective risk metrics 