A person who evaluates a loanapplication to determine its risk level for a lenderor investor.

Merriam-Webster Online Dictionary
underwriter (noun)
1.
one that - underwrites guarantor
2.
a) one that underwrites a policy of insurance - insurer
b) one who selects risks to be solicited or rates the acceptability of risks solicited
3.
one that underwrites a security issue
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