Previously in this series on underwriting manuals we have considered: Maintaining and resourcing a manual Issues of access, security and usage Training content, and A supporting evidence base. In the final part of this trilogy we look at the use of calculators and consider possible future developments. Calculators The use of calculators to produce a decision is growing in popularity. But does the use of a clever ‘black box’ reduce the need for the traditional skills of the experienced underwriter? Or is there a place for both art and science in the underwriting process? A number of manuals now feature…
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