An Underwriter in the human resources industry is an individual or entity responsible for assessing and evaluating insurance applications and determining the level of risk associated with insuring an employee or a group of employees. They analyze various factors, including the health and medical history of employees, to determine the appropriate insurance premiums and coverage.

Example
In the context of employee benefits, an underwriter may review the health records and insurance applications of a company's employees to calculate the cost and coverage of a group health insurance plan.