<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-1974-72184
**Date of Review:** 2025-07-25

This report summarizes the comprehensive underwriting review for the application submitted by Daniel Smith. The request is for a Personal Loan totaling $424,651.92. The specified purpose for the funds is: 'Use cover trial area goal.'.

**Applicant Profile & Financials:**
The applicant, born 1970-12-15, currently resides at 0655 Ibarra Highway, New Christianchester, LA 74226, where they have lived for 46 months. Identity was cross-verified using the provided SSN suffix (****-4951). All communications have been directed to ayalaapril@example.org.
The applicant's financial standing was evaluated based on submitted documentation. The reported annual income is $373,133.15. The primary credit bureau returned a score of 797. This results in a calculated debt-to-income (DTI) ratio of 39.00%. A review of liquid assets shows several accounts, including a Checking account at Pope Group with an average balance of $64,625.75 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.

**Collateral Assessment:**
The loan is to be secured by a Marketable Securities with a reported value of $4,852,469.90. The most recent appraisal was conducted on 2025-07-19. The title search confirms its status as Second_Lien.

**Risk Evaluation & Recommendation:**
Internal Memo: Applicant has strong credit history (797) and stable employment. Collateral valuation is robust. Debt-to-income ratio (0.39) is well within acceptable limits. Low risk profile identified. This assessment yields a composite risk score of 85 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'.
**Stipulations for Funding:**
1. Standard audit and verification of all submitted documents prior to funding.
</data>
{
  "loan_application_id": "LLA-1974-72184",
  "applicant_details": {
    "name": "Daniel Smith",
    "date_of_birth": "1970-12-15",
    "ssn_last_4_digits": "4951",
    "contact_info": {
      "email": "ayalaapril@example.org",
      "phone_number": "284.811.7967x551"
    },
    "residential_history": [
      {
        "address": "0655 Ibarra Highway, New Christianchester, LA 74226",
        "duration_months": 46,
        "is_current": true
      },
      {
        "address": "5904 Roy Route, Reneeview, MO 18556",
        "duration_months": 17,
        "is_current": false
      },
      {
        "address": "253 Christian Street, West Jeffreyshire, WI 50866",
        "duration_months": 41,
        "is_current": false
      }
    ]
  },
  "loan_request": {
    "amount_requested": 424651.92,
    "loan_type": "Personal_Loan",
    "loan_purpose": "Use cover trial area goal.",
    "collateral": [
      {
        "asset_type": "Marketable Securities",
        "estimated_value": 4852469.9,
        "lien_status": "Second_Lien",
        "appraisal_date": "2025-07-19"
      },
      {
        "asset_type": "Residential Property",
        "estimated_value": 5635224.15,
        "lien_status": "Unencumbered",
        "appraisal_date": "2025-08-06"
      }
    ]
  },
  "financial_summary": {
    "annual_income_usd": 373133.15,
    "debt_to_income_ratio": 0.39,
    "credit_score": 797,
    "bank_accounts": [
      {
        "bank_name": "Pope Group",
        "account_type": "Checking",
        "average_monthly_balance_usd": 64625.75,
        "last_statement_date": "2025-07-10"
      },
      {
        "bank_name": "Gonzalez, Davis and Sanders",
        "account_type": "Investment",
        "average_monthly_balance_usd": 50805.23,
        "last_statement_date": "2025-07-03"
      },
      {
        "bank_name": "Brady Group",
        "account_type": "Checking",
        "average_monthly_balance_usd": 40702.03,
        "last_statement_date": "2025-06-25"
      }
    ]
  },
  "risk_assessment": {
    "underwriter_notes": "Applicant has strong credit history (797) and stable employment. Collateral valuation is robust. Debt-to-income ratio (0.39) is well within acceptable limits. Low risk profile identified.",
    "risk_score_out_of_100": 85,
    "recommended_action": "Approve_with_Standard_Terms",
    "conditions_for_approval": [
      "Standard audit and verification of all submitted documents prior to funding."
    ]
  },
  "application_status": "Approved",
  "underwriting_date": "2025-07-25"
}