<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-2009-76960
**Date of Review:** 2025-08-02

This report summarizes the comprehensive underwriting review for the application submitted by Tracy Cooke. The request is for a Personal Loan totaling $580,023.27. The specified purpose for the funds is: 'Ever color almost including bit perhaps range environmental.'.

**Applicant Profile & Financials:**
The applicant, born 1990-09-03, currently resides at 4586 Crawford Islands Suite 603, East Markchester, CO 00535, where they have lived for 26 months. Identity was cross-verified using the provided SSN suffix (****-5818). All communications have been directed to melanie85@example.net.
The applicant's financial standing was evaluated based on submitted documentation. The reported annual income is $859,721.41. The primary credit bureau returned a score of 708. This results in a calculated debt-to-income (DTI) ratio of 51.00%. A review of liquid assets shows several accounts, including a Investment account at Nielsen, Rodriguez and Bailey with an average balance of $79,108.66 according to the statement dated 2025-07-02. 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 0.51 is a moderate concern. Credit score of 708 is acceptable. Recommend approval subject to verification of liquid assets. This assessment yields a composite risk score of 76 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.
</data>
{
  "loan_application_id": "LLA-2009-76960",
  "applicant_details": {
    "name": "Tracy Cooke",
    "date_of_birth": "1990-09-03",
    "ssn_last_4_digits": "5818",
    "contact_info": {
      "email": "melanie85@example.net",
      "phone_number": "(818)924-1677x810"
    },
    "residential_history": [
      {
        "address": "4586 Crawford Islands Suite 603, East Markchester, CO 00535",
        "duration_months": 26,
        "is_current": true
      },
      {
        "address": "PSC 2368, Box 4599, APO AE 55501",
        "duration_months": 16,
        "is_current": false
      }
    ]
  },
  "loan_request": {
    "amount_requested": 580023.27,
    "loan_type": "Personal_Loan",
    "loan_purpose": "Ever color almost including bit perhaps range environmental."
  },
  "financial_summary": {
    "annual_income_usd": 859721.41,
    "debt_to_income_ratio": 0.51,
    "credit_score": 708,
    "bank_accounts": [
      {
        "bank_name": "Nielsen, Rodriguez and Bailey",
        "account_type": "Investment",
        "average_monthly_balance_usd": 79108.66,
        "last_statement_date": "2025-07-02"
      },
      {
        "bank_name": "Berry Group",
        "account_type": "Investment",
        "average_monthly_balance_usd": 17350.5,
        "last_statement_date": "2025-07-07"
      },
      {
        "bank_name": "Acevedo-Jones",
        "account_type": "Savings",
        "average_monthly_balance_usd": 80966.61,
        "last_statement_date": "2025-07-04"
      },
      {
        "bank_name": "Williams-Turner",
        "account_type": "Money Market",
        "average_monthly_balance_usd": 93016.72,
        "last_statement_date": "2025-06-29"
      }
    ]
  },
  "risk_assessment": {
    "underwriter_notes": "Applicant profile is generally positive, but the DTI of 0.51 is a moderate concern. Credit score of 708 is acceptable. Recommend approval subject to verification of liquid assets.",
    "risk_score_out_of_100": 76,
    "recommended_action": "Approve_with_Conditions",
    "conditions_for_approval": [
      "Satisfactory final appraisal report."
    ]
  },
  "application_status": "Pending_Conditions",
  "underwriting_date": "2025-08-02"
}