<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-2010-19573
**Date of Review:** 2025-07-31

This report summarizes the comprehensive underwriting review for the application submitted by Janet Wilkerson. The request is for a Personal Loan totaling $579,499.66. The specified purpose for the funds is: 'Speech trouble keep himself consider.'.

**Applicant Profile & Financials:**
The applicant, born 1971-05-12, currently resides at Unit 7058 Box 3885, DPO AP 06631, where they have lived for 63 months. Identity was cross-verified using the provided SSN suffix (****-4927). All communications have been directed to chadtorres@example.org.
The applicant's financial standing was evaluated based on submitted documentation. The reported annual income is $542,668.25. The primary credit bureau returned a score of 710. This results in a calculated debt-to-income (DTI) ratio of 22.00%. A review of liquid assets shows several accounts, including a Investment account at Mills, Hurst and Brennan with an average balance of $95,950.90 according to the statement dated 2025-06-15. 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 has strong credit history (710) and stable employment. Collateral valuation is robust. Debt-to-income ratio (0.22) is well within acceptable limits. Low risk profile identified. This assessment yields a composite risk score of 85 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'.
</data>
{
  "loan_application_id": "LLA-2010-19573",
  "applicant_details": {
    "name": "Janet Wilkerson",
    "date_of_birth": "1971-05-12",
    "ssn_last_4_digits": "4927",
    "contact_info": {
      "email": "chadtorres@example.org",
      "phone_number": "908-939-5270x86287"
    },
    "residential_history": [
      {
        "address": "Unit 7058 Box 3885, DPO AP 06631",
        "duration_months": 63,
        "is_current": true
      },
      {
        "address": "54456 Robertson Heights, North Christina, DC 74489",
        "duration_months": 30,
        "is_current": false
      },
      {
        "address": "8496 Jennifer Hills Apt. 007, Limouth, OR 52754",
        "duration_months": 47,
        "is_current": false
      }
    ]
  },
  "loan_request": {
    "amount_requested": 579499.66,
    "loan_type": "Personal_Loan",
    "loan_purpose": "Speech trouble keep himself consider."
  },
  "financial_summary": {
    "annual_income_usd": 542668.25,
    "debt_to_income_ratio": 0.22,
    "credit_score": 710,
    "bank_accounts": [
      {
        "bank_name": "Mills, Hurst and Brennan",
        "account_type": "Investment",
        "average_monthly_balance_usd": 95950.9,
        "last_statement_date": "2025-06-15"
      },
      {
        "bank_name": "Harrison, Neal and Freeman",
        "account_type": "Savings",
        "average_monthly_balance_usd": 97386.76,
        "last_statement_date": "2025-07-04"
      },
      {
        "bank_name": "Mcgrath Group",
        "account_type": "Checking",
        "average_monthly_balance_usd": 85660.95,
        "last_statement_date": "2025-07-08"
      },
      {
        "bank_name": "Williams-Fitzgerald",
        "account_type": "Savings",
        "average_monthly_balance_usd": 79222.01,
        "last_statement_date": "2025-07-10"
      }
    ]
  },
  "risk_assessment": {
    "underwriter_notes": "Applicant has strong credit history (710) and stable employment. Collateral valuation is robust. Debt-to-income ratio (0.22) is well within acceptable limits. Low risk profile identified.",
    "risk_score_out_of_100": 85,
    "recommended_action": "Approve_with_Standard_Terms"
  },
  "application_status": "Approved",
  "underwriting_date": "2025-07-31"
}