What is Mary's role when she analyzes the loan application and recommends the Shores' loan be approved?

Mary's role in analyzing the loan application and recommending that the Shores' loan be approved is that of an underwriter. An underwriter is primarily responsible for evaluating the risk associated with a loan application. They assess the borrower's creditworthiness, financial situation, and the overall value of the property being financed. By conducting a thorough analysis, underwriters determine whether the loan meets the lender's criteria and guidelines, ultimately deciding whether to approve or deny it.

In this context, Mary’s actions reflect the core responsibilities of an underwriter, which involve scrutinizing financial documents, assessing risk factors, and making informed recommendations based on that analysis. This role is crucial in the lending process, ensuring that loans are issued to borrowers who have the ability to repay them without facing financial hardship.