<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-1982-94502
**Date of Review:** 2025-07-20

This report summarizes the comprehensive underwriting review for the application submitted by Tracy Phillips. The request is for a Personal Loan totaling $647,823.87. The specified purpose for the funds is: 'Find itself edge card weight debate.'.

**Applicant Profile & Financials:**
The applicant, born 1984-09-15, currently resides at 73904 Washington Ridges Apt. 572, New Benjaminshire, AZ 48547, where they have lived for 68 months. Identity was cross-verified using the provided SSN suffix (****-5691). All communications have been directed to davidrodriguez@example.com.
The applicant's financial standing was evaluated based on submitted documentation. The reported annual income is $547,589.60. The primary credit bureau returned a score of 598. This results in a calculated debt-to-income (DTI) ratio of 27.00%. A review of liquid assets shows several accounts, including a Money Market account at Simon, Berger and Whitaker with an average balance of $69,846.68 according to the statement dated 2025-06-17. 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 0.27 is a moderate concern. Credit score of 598 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.
2. Receipt of updated bank statements showing sufficient closing funds.
</data>
{
  "loan_application_id": "LLA-1982-94502",
  "applicant_details": {
    "name": "Tracy Phillips",
    "date_of_birth": "1984-09-15",
    "ssn_last_4_digits": "5691",
    "contact_info": {
      "email": "davidrodriguez@example.com",
      "phone_number": "(526)645-8072"
    },
    "residential_history": [
      {
        "address": "73904 Washington Ridges Apt. 572, New Benjaminshire, AZ 48547",
        "duration_months": 68,
        "is_current": true
      },
      {
        "address": "24219 Williams Road, New Randyborough, NE 46282",
        "duration_months": 44,
        "is_current": false
      },
      {
        "address": "2598 Kristin Coves Suite 313, Grayberg, NV 37512",
        "duration_months": 51,
        "is_current": false
      }
    ]
  },
  "loan_request": {
    "amount_requested": 647823.87,
    "loan_type": "Personal_Loan",
    "loan_purpose": "Find itself edge card weight debate."
  },
  "financial_summary": {
    "annual_income_usd": 547589.6,
    "debt_to_income_ratio": 0.27,
    "credit_score": 598,
    "bank_accounts": [
      {
        "bank_name": "Simon, Berger and Whitaker",
        "account_type": "Money Market",
        "average_monthly_balance_usd": 69846.68,
        "last_statement_date": "2025-06-17"
      },
      {
        "bank_name": "Oconnor-Wolfe",
        "account_type": "Checking",
        "average_monthly_balance_usd": 92470.5,
        "last_statement_date": "2025-06-28"
      },
      {
        "bank_name": "Elliott, Reed and May",
        "account_type": "Savings",
        "average_monthly_balance_usd": 61102.97,
        "last_statement_date": "2025-06-30"
      },
      {
        "bank_name": "Larsen, Lopez and Tran",
        "account_type": "Savings",
        "average_monthly_balance_usd": 45337.77,
        "last_statement_date": "2025-07-08"
      }
    ]
  },
  "risk_assessment": {
    "underwriter_notes": "Applicant profile is generally positive, but the DTI of 0.27 is a moderate concern. Credit score of 598 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.",
      "Receipt of updated bank statements showing sufficient closing funds."
    ]
  },
  "application_status": "Pending_Conditions",
  "underwriting_date": "2025-07-20"
}