<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-2016-13172
**Date of Review:** 2025-08-05

This report summarizes the comprehensive underwriting review for the application submitted by Brian Sutton. The request is for a Business Expansion Loan totaling $846,062.77. The specified purpose for the funds is: 'Without growth approach different dog travel safe site.'.

**Applicant Profile & Financials:**
The applicant, born 1990-09-22, currently resides at 5011 Joshua Knolls Apt. 400, Harrymouth, AS 12916, where they have lived for 72 months. Identity was cross-verified using the provided SSN suffix (****-7321). All communications have been directed to johnwagner@example.com.
The applicant's financial standing was evaluated based on submitted documentation. The reported annual income is $490,470.07. The primary credit bureau returned a score of 755. This results in a calculated debt-to-income (DTI) ratio of 23.00%. A review of liquid assets shows several accounts, including a Savings account at West-Brown with an average balance of $90,389.31 according to the statement dated 2025-07-04. 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 has strong credit history (755) and stable employment. Collateral valuation is robust. Debt-to-income ratio (0.23) is well within acceptable limits. Low risk profile identified. This assessment yields a composite risk score of 87 out of 100.
**Final Decision:** Based on the factors outlined, the recommended action is **Approve with Standard Terms**. The system status for this application has been updated to 'Approved'.
</data>
{
  "loan_application_id": "LLA-2016-13172",
  "applicant_details": {
    "name": "Brian Sutton",
    "date_of_birth": "1990-09-22",
    "ssn_last_4_digits": "7321",
    "contact_info": {
      "email": "johnwagner@example.com",
      "phone_number": "509-393-3705"
    },
    "residential_history": [
      {
        "address": "5011 Joshua Knolls Apt. 400, Harrymouth, AS 12916",
        "duration_months": 72,
        "is_current": true
      },
      {
        "address": "10956 Rachel Courts Apt. 427, North Meganborough, CA 64916",
        "duration_months": 70,
        "is_current": false
      }
    ]
  },
  "loan_request": {
    "amount_requested": 846062.77,
    "loan_type": "Business_Expansion_Loan",
    "loan_purpose": "Without growth approach different dog travel safe site."
  },
  "financial_summary": {
    "annual_income_usd": 490470.07,
    "debt_to_income_ratio": 0.23,
    "credit_score": 755,
    "bank_accounts": [
      {
        "bank_name": "West-Brown",
        "account_type": "Savings",
        "average_monthly_balance_usd": 90389.31,
        "last_statement_date": "2025-07-04"
      },
      {
        "bank_name": "Stafford Ltd",
        "account_type": "Investment",
        "average_monthly_balance_usd": 82755.85,
        "last_statement_date": "2025-06-19"
      },
      {
        "bank_name": "Johnson, Clark and Davis",
        "account_type": "Checking",
        "average_monthly_balance_usd": 56415.49,
        "last_statement_date": "2025-07-12"
      }
    ]
  },
  "risk_assessment": {
    "underwriter_notes": "Applicant has strong credit history (755) and stable employment. Collateral valuation is robust. Debt-to-income ratio (0.23) is well within acceptable limits. Low risk profile identified.",
    "risk_score_out_of_100": 87,
    "recommended_action": "Approve_with_Standard_Terms"
  },
  "application_status": "Approved",
  "underwriting_date": "2025-08-05"
}