<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-1974-38467
**Date of Review:** 2025-07-20

This report summarizes the comprehensive underwriting review for the application submitted by Barbara Robinson. The request is for a Personal Loan totaling $905,310.02. The specified purpose for the funds is: 'Meeting here them daughter conference above police.'.

**Applicant Profile & Financials:**
The applicant, born 1984-06-02, currently resides at 53511 Regina Stravenue Suite 259, Port Christopher, OK 21537, where they have lived for 70 months. Identity was cross-verified using the provided SSN suffix (****-9729). All communications have been directed to hendricksdawn@example.com.
The applicant's financial standing was evaluated based on submitted documentation. The reported annual income is $861,298.20. The primary credit bureau returned a score of 596. This results in a calculated debt-to-income (DTI) ratio of 20.00%. A review of liquid assets shows several accounts, including a Money Market account at Green Ltd with an average balance of $65,502.91 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.

**Collateral Assessment:**
The loan is to be secured by a Marketable Securities with a reported value of $6,887,874.42. The title search confirms its status as Second_Lien.

**Risk Evaluation & Recommendation:**
Internal Memo: Applicant profile is generally positive, but the DTI of 0.2 is a moderate concern. Credit score of 596 is acceptable. Recommend approval subject to verification of liquid assets. This assessment yields a composite risk score of 79 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. Satisfactory final appraisal report.
2. Receipt of updated bank statements showing sufficient closing funds.
</data>
{
  "loan_application_id": "LLA-1974-38467",
  "applicant_details": {
    "name": "Barbara Robinson",
    "date_of_birth": "1984-06-02",
    "ssn_last_4_digits": "9729",
    "contact_info": {
      "email": "hendricksdawn@example.com",
      "phone_number": "435.206.2717"
    },
    "residential_history": [
      {
        "address": "53511 Regina Stravenue Suite 259, Port Christopher, OK 21537",
        "duration_months": 70,
        "is_current": true
      },
      {
        "address": "53928 Tom Orchard, Lake Jennifertown, TN 08406",
        "duration_months": 68,
        "is_current": false
      },
      {
        "address": "8081 Todd Inlet Apt. 958, Gutierrezchester, PW 64963",
        "duration_months": 46,
        "is_current": false
      }
    ]
  },
  "loan_request": {
    "amount_requested": 905310.02,
    "loan_type": "Personal_Loan",
    "loan_purpose": "Meeting here them daughter conference above police.",
    "collateral": [
      {
        "asset_type": "Marketable Securities",
        "estimated_value": 6887874.42,
        "lien_status": "Second_Lien"
      },
      {
        "asset_type": "Commercial Real Estate",
        "estimated_value": 8774088.44,
        "lien_status": "Second_Lien",
        "appraisal_date": "2025-08-11"
      }
    ]
  },
  "financial_summary": {
    "annual_income_usd": 861298.2,
    "debt_to_income_ratio": 0.2,
    "credit_score": 596,
    "bank_accounts": [
      {
        "bank_name": "Green Ltd",
        "account_type": "Money Market",
        "average_monthly_balance_usd": 65502.91,
        "last_statement_date": "2025-06-17"
      },
      {
        "bank_name": "Frank Inc",
        "account_type": "Checking",
        "average_monthly_balance_usd": 87715.2,
        "last_statement_date": "2025-07-08"
      },
      {
        "bank_name": "Chan, Mason and Glass",
        "account_type": "Investment",
        "average_monthly_balance_usd": 78683.96,
        "last_statement_date": "2025-06-28"
      }
    ]
  },
  "risk_assessment": {
    "underwriter_notes": "Applicant profile is generally positive, but the DTI of 0.2 is a moderate concern. Credit score of 596 is acceptable. Recommend approval subject to verification of liquid assets.",
    "risk_score_out_of_100": 79,
    "recommended_action": "Approve_with_Conditions",
    "conditions_for_approval": [
      "Satisfactory final appraisal report.",
      "Receipt of updated bank statements showing sufficient closing funds."
    ]
  },
  "application_status": "Pending_Conditions",
  "underwriting_date": "2025-07-20"
}