<format type="json">{loan_application_id: string, applicant_details: {name: string, date_of_birth: date, ssn_last_4_digits: string, contact_info: {email: string, phone_number: string}, residential_history: list[{address: string, duration_months: number, is_current: boolean}]}, loan_request: {amount_requested: number, loan_type: string, loan_purpose: string optional, collateral: list[{asset_type: string, estimated_value: number, lien_status: string, appraisal_date: date optional}] optional}, financial_summary: {annual_income_usd: number, debt_to_income_ratio: number, credit_score: number, bank_accounts: list[{bank_name: string, account_type: string, average_monthly_balance_usd: number, last_statement_date: date}]}, risk_assessment: {underwriter_notes: string, risk_score_out_of_100: number, recommended_action: string, conditions_for_approval: list[string] optional}, application_status: string, underwriting_date: date}</format> <data>**CONFIDENTIAL: UNDERWRITING ASSESSMENT REPORT**

**File Reference:** LLA-1988-79330
**Date of Review:** 2025-07-16

This report summarizes the comprehensive underwriting review for the application submitted by Megan Johnson. The request is for a Personal Loan totaling $538,977.79. No specific purpose was detailed in the application's optional section.

**Applicant Profile & Financials:**
The applicant, born 1972-08-08, currently resides at 8288 Wesley Lake, Wilkinsland, HI 05471, where they have lived for 72 months. Identity was cross-verified using the provided SSN suffix (****-1438). All communications have been directed to devonwright@example.org.
The applicant's financial standing was evaluated based on submitted documentation. The reported annual income is $877,644.18. The primary credit bureau returned a score of 605. This results in a calculated debt-to-income (DTI) ratio of 47.00%. A review of liquid assets shows several accounts, including a Money Market account at Hooper LLC with an average balance of $59,606.53 according to the statement dated 2025-07-10. Market conditions have been stable, although we noted a slight dip in the index last Tuesday, which is considered immaterial to this assessment.

**Risk Evaluation & Recommendation:**
Internal Memo: Applicant profile is generally positive, but the DTI of 0.47 is a moderate concern. Credit score of 605 is acceptable. Recommend approval subject to verification of liquid assets. This assessment yields a composite risk score of 71 out of 100.
**Final Decision:** Based on the factors outlined, the recommended action is **Approve with Conditions**. The system status for this application has been updated to 'Pending_Conditions'.
**Stipulations for Funding:**
1. Proof of hazard insurance for the subject property.
2. Verification of employment for the last 24 months.
3. Satisfactory final appraisal report.
</data>
{
  "loan_application_id": "LLA-1988-79330",
  "applicant_details": {
    "name": "Megan Johnson",
    "date_of_birth": "1972-08-08",
    "ssn_last_4_digits": "1438",
    "contact_info": {
      "email": "devonwright@example.org",
      "phone_number": "315.620.4026x056"
    },
    "residential_history": [
      {
        "address": "8288 Wesley Lake, Wilkinsland, HI 05471",
        "duration_months": 72,
        "is_current": true
      },
      {
        "address": "4447 Miller Center, Dianaburgh, WA 61353",
        "duration_months": 12,
        "is_current": false
      },
      {
        "address": "61691 Townsend Causeway Apt. 472, Longville, AR 03347",
        "duration_months": 12,
        "is_current": false
      }
    ]
  },
  "loan_request": {
    "amount_requested": 538977.79,
    "loan_type": "Personal_Loan"
  },
  "financial_summary": {
    "annual_income_usd": 877644.18,
    "debt_to_income_ratio": 0.47,
    "credit_score": 605,
    "bank_accounts": [
      {
        "bank_name": "Hooper LLC",
        "account_type": "Money Market",
        "average_monthly_balance_usd": 59606.53,
        "last_statement_date": "2025-07-10"
      },
      {
        "bank_name": "Garcia, Long and Howard",
        "account_type": "Savings",
        "average_monthly_balance_usd": 49724.42,
        "last_statement_date": "2025-07-07"
      }
    ]
  },
  "risk_assessment": {
    "underwriter_notes": "Applicant profile is generally positive, but the DTI of 0.47 is a moderate concern. Credit score of 605 is acceptable. Recommend approval subject to verification of liquid assets.",
    "risk_score_out_of_100": 71,
    "recommended_action": "Approve_with_Conditions",
    "conditions_for_approval": [
      "Proof of hazard insurance for the subject property.",
      "Verification of employment for the last 24 months.",
      "Satisfactory final appraisal report."
    ]
  },
  "application_status": "Pending_Conditions",
  "underwriting_date": "2025-07-16"
}