<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-1996-56840
**Date of Review:** 2025-07-31

This report summarizes the comprehensive underwriting review for the application submitted by Jonathan Crawford. The request is for a Business Expansion Loan totaling $170,788.40. The specified purpose for the funds is: 'Exactly local what either truth as lawyer power less box.'.

**Applicant Profile & Financials:**
The applicant, born 1981-12-01, currently resides at 10440 Clark Drive Suite 090, Sarahfurt, OH 92236, where they have lived for 35 months. Identity was cross-verified using the provided SSN suffix (****-7816). All communications have been directed to scisneros@example.net.
The applicant's financial standing was evaluated based on submitted documentation. The reported annual income is $941,192.14. The primary credit bureau returned a score of 592. This results in a calculated debt-to-income (DTI) ratio of 35.00%. A review of liquid assets shows several accounts, including a Checking account at Gonzalez, Fisher and Moore with an average balance of $60,964.99 according to the statement dated 2025-06-23. 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 $9,179,754.73. The title search confirms its status as Unencumbered.

**Risk Evaluation & Recommendation:**
Internal Memo: Applicant profile is generally positive, but the DTI of 0.35 is a moderate concern. Credit score of 592 is acceptable. Recommend approval subject to verification of liquid assets. This assessment yields a composite risk score of 74 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. Verification of employment for the last 24 months.
3. Proof of hazard insurance for the subject property.
</data>
{
  "loan_application_id": "LLA-1996-56840",
  "applicant_details": {
    "name": "Jonathan Crawford",
    "date_of_birth": "1981-12-01",
    "ssn_last_4_digits": "7816",
    "contact_info": {
      "email": "scisneros@example.net",
      "phone_number": "2373640494"
    },
    "residential_history": [
      {
        "address": "10440 Clark Drive Suite 090, Sarahfurt, OH 92236",
        "duration_months": 35,
        "is_current": true
      },
      {
        "address": "110 Robinson Glens Suite 513, South Laurenmouth, IL 19279",
        "duration_months": 18,
        "is_current": false
      },
      {
        "address": "9247 Rojas Crossroad Apt. 670, Lake Tracey, HI 48029",
        "duration_months": 45,
        "is_current": false
      }
    ]
  },
  "loan_request": {
    "amount_requested": 170788.4,
    "loan_type": "Business_Expansion_Loan",
    "loan_purpose": "Exactly local what either truth as lawyer power less box.",
    "collateral": [
      {
        "asset_type": "Commercial Real Estate",
        "estimated_value": 9179754.73,
        "lien_status": "Unencumbered"
      }
    ]
  },
  "financial_summary": {
    "annual_income_usd": 941192.14,
    "debt_to_income_ratio": 0.35,
    "credit_score": 592,
    "bank_accounts": [
      {
        "bank_name": "Gonzalez, Fisher and Moore",
        "account_type": "Checking",
        "average_monthly_balance_usd": 60964.99,
        "last_statement_date": "2025-06-23"
      },
      {
        "bank_name": "Morris, Davis and Blake",
        "account_type": "Money Market",
        "average_monthly_balance_usd": 17819.04,
        "last_statement_date": "2025-06-16"
      },
      {
        "bank_name": "Blackwell-Huffman",
        "account_type": "Savings",
        "average_monthly_balance_usd": 98084.85,
        "last_statement_date": "2025-06-19"
      },
      {
        "bank_name": "Anderson, Goodwin and Hale",
        "account_type": "Checking",
        "average_monthly_balance_usd": 83839.92,
        "last_statement_date": "2025-06-22"
      }
    ]
  },
  "risk_assessment": {
    "underwriter_notes": "Applicant profile is generally positive, but the DTI of 0.35 is a moderate concern. Credit score of 592 is acceptable. Recommend approval subject to verification of liquid assets.",
    "risk_score_out_of_100": 74,
    "recommended_action": "Approve_with_Conditions",
    "conditions_for_approval": [
      "Receipt of updated bank statements showing sufficient closing funds.",
      "Verification of employment for the last 24 months.",
      "Proof of hazard insurance for the subject property."
    ]
  },
  "application_status": "Pending_Conditions",
  "underwriting_date": "2025-07-31"
}