<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-1973-24570
**Date of Review:** 2025-07-27

This report summarizes the comprehensive underwriting review for the application submitted by Tony Taylor. The request is for a Personal Loan totaling $909,224.60. The specified purpose for the funds is: 'Senior employee court type later realize toward direction always available.'.

**Applicant Profile & Financials:**
The applicant, born 1957-05-23, currently resides at 563 Melanie Union, Lake Williamfurt, OH 37772, where they have lived for 31 months. Identity was cross-verified using the provided SSN suffix (****-3073). All communications have been directed to barnesleslie@example.net.
The applicant's financial standing was evaluated based on submitted documentation. The reported annual income is $672,769.78. The primary credit bureau returned a score of 669. This results in a calculated debt-to-income (DTI) ratio of 33.00%. A review of liquid assets shows several accounts, including a Investment account at Garcia-Wiggins with an average balance of $24,547.09 according to the statement dated 2025-06-16. 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 0.33 is a moderate concern. Credit score of 669 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. Proof of hazard insurance for the subject property.
2. Verification of employment for the last 24 months.
</data>
{
  "loan_application_id": "LLA-1973-24570",
  "applicant_details": {
    "name": "Tony Taylor",
    "date_of_birth": "1957-05-23",
    "ssn_last_4_digits": "3073",
    "contact_info": {
      "email": "barnesleslie@example.net",
      "phone_number": "6127042372"
    },
    "residential_history": [
      {
        "address": "563 Melanie Union, Lake Williamfurt, OH 37772",
        "duration_months": 31,
        "is_current": true
      },
      {
        "address": "Unit 5794 Box 8733, DPO AE 98147",
        "duration_months": 50,
        "is_current": false
      }
    ]
  },
  "loan_request": {
    "amount_requested": 909224.6,
    "loan_type": "Personal_Loan",
    "loan_purpose": "Senior employee court type later realize toward direction always available."
  },
  "financial_summary": {
    "annual_income_usd": 672769.78,
    "debt_to_income_ratio": 0.33,
    "credit_score": 669,
    "bank_accounts": [
      {
        "bank_name": "Garcia-Wiggins",
        "account_type": "Investment",
        "average_monthly_balance_usd": 24547.09,
        "last_statement_date": "2025-06-16"
      },
      {
        "bank_name": "Hardin, Sloan and Kim",
        "account_type": "Investment",
        "average_monthly_balance_usd": 56368.64,
        "last_statement_date": "2025-06-27"
      }
    ]
  },
  "risk_assessment": {
    "underwriter_notes": "Applicant profile is generally positive, but the DTI of 0.33 is a moderate concern. Credit score of 669 is acceptable. Recommend approval subject to verification of liquid assets.",
    "risk_score_out_of_100": 79,
    "recommended_action": "Approve_with_Conditions",
    "conditions_for_approval": [
      "Proof of hazard insurance for the subject property.",
      "Verification of employment for the last 24 months."
    ]
  },
  "application_status": "Pending_Conditions",
  "underwriting_date": "2025-07-27"
}