<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-1985-83832
**Date of Review:** 2025-08-07

This report summarizes the comprehensive underwriting review for the application submitted by Michael Brown. The request is for a Personal Loan totaling $582,918.43. The specified purpose for the funds is: 'Official bank how turn western project show present model save.'.

**Applicant Profile & Financials:**
The applicant, born 1975-06-24, currently resides at 84430 Wolfe River Suite 872, New Toni, AK 57998, where they have lived for 36 months. Identity was cross-verified using the provided SSN suffix (****-3438). All communications have been directed to lindseyanderson@example.org.
The applicant's financial standing was evaluated based on submitted documentation. The reported annual income is $407,515.94. The primary credit bureau returned a score of 582. This results in a calculated debt-to-income (DTI) ratio of 21.00%. A review of liquid assets shows several accounts, including a Checking account at Glover-Kelley with an average balance of $41,471.73 according to the statement dated 2025-06-27. 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 $5,355,238.99. The most recent appraisal was conducted on 2025-05-21. The title search confirms its status as Unencumbered.

**Risk Evaluation & Recommendation:**
Internal Memo: Applicant profile is generally positive, but the DTI of 0.21 is a moderate concern. Credit score of 582 is acceptable. Recommend approval subject to verification of liquid assets. This assessment yields a composite risk score of 77 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. Verification of employment for the last 24 months.
</data>
{
  "loan_application_id": "LLA-1985-83832",
  "applicant_details": {
    "name": "Michael Brown",
    "date_of_birth": "1975-06-24",
    "ssn_last_4_digits": "3438",
    "contact_info": {
      "email": "lindseyanderson@example.org",
      "phone_number": "764-603-7203x43397"
    },
    "residential_history": [
      {
        "address": "84430 Wolfe River Suite 872, New Toni, AK 57998",
        "duration_months": 36,
        "is_current": true
      },
      {
        "address": "350 Matthew Stravenue, Sandraberg, OK 97408",
        "duration_months": 49,
        "is_current": false
      },
      {
        "address": "7366 White Viaduct Suite 833, North Davidbury, GU 05382",
        "duration_months": 52,
        "is_current": false
      }
    ]
  },
  "loan_request": {
    "amount_requested": 582918.43,
    "loan_type": "Personal_Loan",
    "loan_purpose": "Official bank how turn western project show present model save.",
    "collateral": [
      {
        "asset_type": "Marketable Securities",
        "estimated_value": 5355238.99,
        "lien_status": "Unencumbered",
        "appraisal_date": "2025-05-21"
      }
    ]
  },
  "financial_summary": {
    "annual_income_usd": 407515.94,
    "debt_to_income_ratio": 0.21,
    "credit_score": 582,
    "bank_accounts": [
      {
        "bank_name": "Glover-Kelley",
        "account_type": "Checking",
        "average_monthly_balance_usd": 41471.73,
        "last_statement_date": "2025-06-27"
      },
      {
        "bank_name": "White, Watkins and Ramos",
        "account_type": "Money Market",
        "average_monthly_balance_usd": 14324.55,
        "last_statement_date": "2025-06-27"
      },
      {
        "bank_name": "Thomas, Reed and Walters",
        "account_type": "Savings",
        "average_monthly_balance_usd": 44212.62,
        "last_statement_date": "2025-07-10"
      },
      {
        "bank_name": "Booker, Skinner and Marks",
        "account_type": "Money Market",
        "average_monthly_balance_usd": 75610.74,
        "last_statement_date": "2025-06-17"
      }
    ]
  },
  "risk_assessment": {
    "underwriter_notes": "Applicant profile is generally positive, but the DTI of 0.21 is a moderate concern. Credit score of 582 is acceptable. Recommend approval subject to verification of liquid assets.",
    "risk_score_out_of_100": 77,
    "recommended_action": "Approve_with_Conditions",
    "conditions_for_approval": [
      "Verification of employment for the last 24 months."
    ]
  },
  "application_status": "Pending_Conditions",
  "underwriting_date": "2025-08-07"
}