The best replacement for underwriter is actuary.

The best alternatives to underwriter are rated as following:
★★★★★  actuary
★★★  broker
★★  sponsor
★★  processor
★★  loan officer
★★  bookrunner
★  credit analyst
★  loan processor
★  investment banker
★  loan prospector
★  lead manager
★  placement agent
  insurer
  mortgage underwriter
  broker dealer
  appraiser
  adjuster
  insurance broker
  claims adjuster
  desktop originator

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underwriter
actuary
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