<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-1982-37277
**Date of Review:** 2025-08-05

This report summarizes the comprehensive underwriting review for the application submitted by Rita Thompson. The request is for a Personal Loan totaling $311,858.79. No specific purpose was detailed in the application's optional section.

**Applicant Profile & Financials:**
The applicant, born 1955-09-14, currently resides at 458 Hensley Grove Apt. 579, Westshire, IN 90192, where they have lived for 70 months. Identity was cross-verified using the provided SSN suffix (****-2605). All communications have been directed to williamstheresa@example.com.
The applicant's financial standing was evaluated based on submitted documentation. The reported annual income is $764,891.58. The primary credit bureau returned a score of 782. This results in a calculated debt-to-income (DTI) ratio of 20.00%. A review of liquid assets shows several accounts, including a Savings account at Campbell Inc with an average balance of $73,998.99 according to the statement dated 2025-06-20. 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 $4,857,932.80. The most recent appraisal was conducted on 2025-05-21. The title search confirms its status as Unencumbered.

**Risk Evaluation & Recommendation:**
Internal Memo: Applicant has strong credit history (782) and stable employment. Collateral valuation is robust. Debt-to-income ratio (0.2) is well within acceptable limits. Low risk profile identified. This assessment yields a composite risk score of 90 out of 100.
**Final Decision:** Based on the factors outlined, the recommended action is **Approve with Standard Terms**. The system status for this application has been updated to 'Approved'.
**Stipulations for Funding:**
1. Standard audit and verification of all submitted documents prior to funding.
</data>
{
  "loan_application_id": "LLA-1982-37277",
  "applicant_details": {
    "name": "Rita Thompson",
    "date_of_birth": "1955-09-14",
    "ssn_last_4_digits": "2605",
    "contact_info": {
      "email": "williamstheresa@example.com",
      "phone_number": "814-966-2709x1913"
    },
    "residential_history": [
      {
        "address": "458 Hensley Grove Apt. 579, Westshire, IN 90192",
        "duration_months": 70,
        "is_current": true
      },
      {
        "address": "742 Kelly Forges Apt. 936, Port Jeanette, OH 01840",
        "duration_months": 20,
        "is_current": false
      }
    ]
  },
  "loan_request": {
    "amount_requested": 311858.79,
    "loan_type": "Personal_Loan",
    "collateral": [
      {
        "asset_type": "Commercial Real Estate",
        "estimated_value": 4857932.8,
        "lien_status": "Unencumbered",
        "appraisal_date": "2025-05-21"
      }
    ]
  },
  "financial_summary": {
    "annual_income_usd": 764891.58,
    "debt_to_income_ratio": 0.2,
    "credit_score": 782,
    "bank_accounts": [
      {
        "bank_name": "Campbell Inc",
        "account_type": "Savings",
        "average_monthly_balance_usd": 73998.99,
        "last_statement_date": "2025-06-20"
      },
      {
        "bank_name": "Anderson, Cantu and Tyler",
        "account_type": "Checking",
        "average_monthly_balance_usd": 45419.86,
        "last_statement_date": "2025-06-17"
      },
      {
        "bank_name": "Anderson Ltd",
        "account_type": "Savings",
        "average_monthly_balance_usd": 24860.82,
        "last_statement_date": "2025-07-05"
      },
      {
        "bank_name": "Mcdaniel-Rose",
        "account_type": "Investment",
        "average_monthly_balance_usd": 30230.73,
        "last_statement_date": "2025-07-05"
      }
    ]
  },
  "risk_assessment": {
    "underwriter_notes": "Applicant has strong credit history (782) and stable employment. Collateral valuation is robust. Debt-to-income ratio (0.2) is well within acceptable limits. Low risk profile identified.",
    "risk_score_out_of_100": 90,
    "recommended_action": "Approve_with_Standard_Terms",
    "conditions_for_approval": [
      "Standard audit and verification of all submitted documents prior to funding."
    ]
  },
  "application_status": "Approved",
  "underwriting_date": "2025-08-05"
}