<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-2003-61437
**Date of Review:** 2025-08-06

This report summarizes the comprehensive underwriting review for the application submitted by Michael Wilkinson. The request is for a Personal Loan totaling $896,680.97. The specified purpose for the funds is: 'Into born everything own bit suffer table economic health show produce.'.

**Applicant Profile & Financials:**
The applicant, born 1963-10-09, currently resides at 63421 Shane Forks, North Carrie, NC 54075, where they have lived for 28 months. Identity was cross-verified using the provided SSN suffix (****-7805). All communications have been directed to dustin69@example.org.
The applicant's financial standing was evaluated based on submitted documentation. The reported annual income is $147,653.22. The primary credit bureau returned a score of 609. This results in a calculated debt-to-income (DTI) ratio of 46.00%. A review of liquid assets shows several accounts, including a Investment account at Kerr, Weber and Black with an average balance of $17,605.17 according to the statement dated 2025-06-26. 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 Commercial Real Estate with a reported value of $5,019,945.44. The title search confirms its status as First_Lien.

**Risk Evaluation & Recommendation:**
Internal Memo: Applicant profile is generally positive, but the DTI of 0.46 is a moderate concern. Credit score of 609 is acceptable. Recommend approval subject to verification of liquid assets. This assessment yields a composite risk score of 66 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.
2. Proof of hazard insurance for the subject property.
</data>
{
  "loan_application_id": "LLA-2003-61437",
  "applicant_details": {
    "name": "Michael Wilkinson",
    "date_of_birth": "1963-10-09",
    "ssn_last_4_digits": "7805",
    "contact_info": {
      "email": "dustin69@example.org",
      "phone_number": "+1-204-641-2765x97848"
    },
    "residential_history": [
      {
        "address": "63421 Shane Forks, North Carrie, NC 54075",
        "duration_months": 28,
        "is_current": true
      },
      {
        "address": "USS Cohen, FPO AP 79437",
        "duration_months": 56,
        "is_current": false
      },
      {
        "address": "120 Todd Islands, Savannahside, AR 90395",
        "duration_months": 46,
        "is_current": false
      }
    ]
  },
  "loan_request": {
    "amount_requested": 896680.97,
    "loan_type": "Personal_Loan",
    "loan_purpose": "Into born everything own bit suffer table economic health show produce.",
    "collateral": [
      {
        "asset_type": "Commercial Real Estate",
        "estimated_value": 5019945.44,
        "lien_status": "First_Lien"
      }
    ]
  },
  "financial_summary": {
    "annual_income_usd": 147653.22,
    "debt_to_income_ratio": 0.46,
    "credit_score": 609,
    "bank_accounts": [
      {
        "bank_name": "Kerr, Weber and Black",
        "account_type": "Investment",
        "average_monthly_balance_usd": 17605.17,
        "last_statement_date": "2025-06-26"
      },
      {
        "bank_name": "Mercer, Meyer and Lee",
        "account_type": "Money Market",
        "average_monthly_balance_usd": 55216.86,
        "last_statement_date": "2025-07-01"
      },
      {
        "bank_name": "Schroeder Inc",
        "account_type": "Checking",
        "average_monthly_balance_usd": 18933.28,
        "last_statement_date": "2025-06-24"
      },
      {
        "bank_name": "Butler PLC",
        "account_type": "Checking",
        "average_monthly_balance_usd": 35674.81,
        "last_statement_date": "2025-07-12"
      }
    ]
  },
  "risk_assessment": {
    "underwriter_notes": "Applicant profile is generally positive, but the DTI of 0.46 is a moderate concern. Credit score of 609 is acceptable. Recommend approval subject to verification of liquid assets.",
    "risk_score_out_of_100": 66,
    "recommended_action": "Approve_with_Conditions",
    "conditions_for_approval": [
      "Receipt of updated bank statements showing sufficient closing funds.",
      "Proof of hazard insurance for the subject property."
    ]
  },
  "application_status": "Pending_Conditions",
  "underwriting_date": "2025-08-06"
}