<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-1989-17365
**Date of Review:** 2025-08-11

This report summarizes the comprehensive underwriting review for the application submitted by Jeffrey Allen. The request is for a Personal Loan totaling $735,999.34. The specified purpose for the funds is: 'Account marriage difference last government health state year claim.'.

**Applicant Profile & Financials:**
The applicant, born 1971-10-02, currently resides at 13111 Kevin Hollow Apt. 449, Port Zachary, GU 59419, where they have lived for 31 months. Identity was cross-verified using the provided SSN suffix (****-9166). All communications have been directed to smithmarissa@example.org.
The applicant's financial standing was evaluated based on submitted documentation. The reported annual income is $495,047.55. The primary credit bureau returned a score of 627. 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 Short-Jackson with an average balance of $53,457.59 according to the statement dated 2025-07-01. 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 627 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. Receipt of updated bank statements showing sufficient closing funds.
</data>
{
  "loan_application_id": "LLA-1989-17365",
  "applicant_details": {
    "name": "Jeffrey Allen",
    "date_of_birth": "1971-10-02",
    "ssn_last_4_digits": "9166",
    "contact_info": {
      "email": "smithmarissa@example.org",
      "phone_number": "+1-970-292-4626x6661"
    },
    "residential_history": [
      {
        "address": "13111 Kevin Hollow Apt. 449, Port Zachary, GU 59419",
        "duration_months": 31,
        "is_current": true
      },
      {
        "address": "66571 Mcdonald Underpass Suite 918, Port Kimberlyton, MN 80952",
        "duration_months": 44,
        "is_current": false
      }
    ]
  },
  "loan_request": {
    "amount_requested": 735999.34,
    "loan_type": "Personal_Loan",
    "loan_purpose": "Account marriage difference last government health state year claim."
  },
  "financial_summary": {
    "annual_income_usd": 495047.55,
    "debt_to_income_ratio": 0.27,
    "credit_score": 627,
    "bank_accounts": [
      {
        "bank_name": "Short-Jackson",
        "account_type": "Checking",
        "average_monthly_balance_usd": 53457.59,
        "last_statement_date": "2025-07-01"
      },
      {
        "bank_name": "Anderson Ltd",
        "account_type": "Checking",
        "average_monthly_balance_usd": 46322.43,
        "last_statement_date": "2025-06-24"
      },
      {
        "bank_name": "Krueger Inc",
        "account_type": "Investment",
        "average_monthly_balance_usd": 10469.75,
        "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 627 is acceptable. Recommend approval subject to verification of liquid assets.",
    "risk_score_out_of_100": 78,
    "recommended_action": "Approve_with_Conditions",
    "conditions_for_approval": [
      "Receipt of updated bank statements showing sufficient closing funds."
    ]
  },
  "application_status": "Pending_Conditions",
  "underwriting_date": "2025-08-11"
}