Processors are typically faced with deadlines, leading to a fast-pace work environment. As soon as a mortgage application is submitted by a loan officer and received by a processor, it is then reviewed by a home mortgage underwriter, who makes the monetary approval or rejection decision. For example, a home mortgage underwriter generally verifies an applicant's income by submitting the required forms.Companies may use handbook or automated underwriting procedures. According to a June 2010 article by Sindhu Dundar of FINS, a monetary career site, analytical and great communication skills benefit those who want a career as a home loan underwriter. Escrow officers are accountable for assisting in the legal exchange of property home from one party to another.