<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-1981-13324
**Date of Review:** 2025-07-23

This report summarizes the comprehensive underwriting review for the application submitted by Brandon Garner. The request is for a Personal Loan totaling $717,229.37. The specified purpose for the funds is: 'Individual tree case purpose approach pick.'.

**Applicant Profile & Financials:**
The applicant, born 1978-06-26, currently resides at 20420 Perry Junction Apt. 906, West Bradley, WV 78988, where they have lived for 21 months. Identity was cross-verified using the provided SSN suffix (****-0486). All communications have been directed to heathergrant@example.com.
The applicant's financial standing was evaluated based on submitted documentation. The reported annual income is $804,111.73. The primary credit bureau returned a score of 620. This results in a calculated debt-to-income (DTI) ratio of 27.00%. A review of liquid assets shows several accounts, including a Checking account at Mcfarland, Deleon and Smith with an average balance of $91,348.96 according to the statement dated 2025-06-28. 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 $6,753,471.43. The title search confirms its status as Unencumbered.

**Risk Evaluation & Recommendation:**
Internal Memo: Applicant profile is generally positive, but the DTI of 0.27 is a moderate concern. Credit score of 620 is acceptable. Recommend approval subject to verification of liquid assets. This assessment yields a composite risk score of 78 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. Satisfactory final appraisal report.
3. Receipt of updated bank statements showing sufficient closing funds.
</data>
{
  "loan_application_id": "LLA-1981-13324",
  "applicant_details": {
    "name": "Brandon Garner",
    "date_of_birth": "1978-06-26",
    "ssn_last_4_digits": "0486",
    "contact_info": {
      "email": "heathergrant@example.com",
      "phone_number": "001-510-532-0416x9876"
    },
    "residential_history": [
      {
        "address": "20420 Perry Junction Apt. 906, West Bradley, WV 78988",
        "duration_months": 21,
        "is_current": true
      },
      {
        "address": "873 Barnes Highway Apt. 308, Valeriefurt, OR 43436",
        "duration_months": 43,
        "is_current": false
      },
      {
        "address": "9958 Aaron Gateway Suite 327, Lake Brian, WV 34255",
        "duration_months": 60,
        "is_current": false
      }
    ]
  },
  "loan_request": {
    "amount_requested": 717229.37,
    "loan_type": "Personal_Loan",
    "loan_purpose": "Individual tree case purpose approach pick.",
    "collateral": [
      {
        "asset_type": "Marketable Securities",
        "estimated_value": 6753471.43,
        "lien_status": "Unencumbered"
      },
      {
        "asset_type": "Residential Property",
        "estimated_value": 9370248.03,
        "lien_status": "First_Lien"
      }
    ]
  },
  "financial_summary": {
    "annual_income_usd": 804111.73,
    "debt_to_income_ratio": 0.27,
    "credit_score": 620,
    "bank_accounts": [
      {
        "bank_name": "Mcfarland, Deleon and Smith",
        "account_type": "Checking",
        "average_monthly_balance_usd": 91348.96,
        "last_statement_date": "2025-06-28"
      },
      {
        "bank_name": "Hull Ltd",
        "account_type": "Money Market",
        "average_monthly_balance_usd": 53447.64,
        "last_statement_date": "2025-07-13"
      },
      {
        "bank_name": "Clay, Mcgee and Thomas",
        "account_type": "Money Market",
        "average_monthly_balance_usd": 27613.09,
        "last_statement_date": "2025-06-15"
      },
      {
        "bank_name": "Jones-Hall",
        "account_type": "Investment",
        "average_monthly_balance_usd": 25177.15,
        "last_statement_date": "2025-07-09"
      }
    ]
  },
  "risk_assessment": {
    "underwriter_notes": "Applicant profile is generally positive, but the DTI of 0.27 is a moderate concern. Credit score of 620 is acceptable. Recommend approval subject to verification of liquid assets.",
    "risk_score_out_of_100": 78,
    "recommended_action": "Approve_with_Conditions",
    "conditions_for_approval": [
      "Verification of employment for the last 24 months.",
      "Satisfactory final appraisal report.",
      "Receipt of updated bank statements showing sufficient closing funds."
    ]
  },
  "application_status": "Pending_Conditions",
  "underwriting_date": "2025-07-23"
}