<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-2007-46268
**Date of Review:** 2025-08-02

This report summarizes the comprehensive underwriting review for the application submitted by Anthony Scott. The request is for a Personal Loan totaling $171,706.92. The specified purpose for the funds is: 'Player near our behind try yeah.'.

**Applicant Profile & Financials:**
The applicant, born 1997-05-18, currently resides at 3397 Mccarthy Brooks Apt. 113, Lake Bryan, OR 93569, where they have lived for 15 months. Identity was cross-verified using the provided SSN suffix (****-2754). All communications have been directed to wjohnson@example.net.
The applicant's financial standing was evaluated based on submitted documentation. The reported annual income is $760,755.10. The primary credit bureau returned a score of 680. This results in a calculated debt-to-income (DTI) ratio of 61.00%. A review of liquid assets shows several accounts, including a Investment account at Garcia-Carrillo with an average balance of $66,941.54 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.

**Collateral Assessment:**
The loan is to be secured by a Marketable Securities with a reported value of $2,465,935.71. The most recent appraisal was conducted on 2025-07-27. The title search confirms its status as First_Lien.

**Risk Evaluation & Recommendation:**
Internal Memo: Applicant profile is generally positive, but the DTI of 0.61 is a moderate concern. Credit score of 680 is acceptable. Recommend approval subject to verification of liquid assets. This assessment yields a composite risk score of 71 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. Receipt of updated bank statements showing sufficient closing funds.
3. Satisfactory final appraisal report.
</data>
{
  "loan_application_id": "LLA-2007-46268",
  "applicant_details": {
    "name": "Anthony Scott",
    "date_of_birth": "1997-05-18",
    "ssn_last_4_digits": "2754",
    "contact_info": {
      "email": "wjohnson@example.net",
      "phone_number": "+1-985-843-2806"
    },
    "residential_history": [
      {
        "address": "3397 Mccarthy Brooks Apt. 113, Lake Bryan, OR 93569",
        "duration_months": 15,
        "is_current": true
      },
      {
        "address": "33674 Rivera Pine Apt. 917, Andersenport, DC 60900",
        "duration_months": 36,
        "is_current": false
      },
      {
        "address": "Unit 5987 Box 7200, DPO AA 28029",
        "duration_months": 60,
        "is_current": false
      }
    ]
  },
  "loan_request": {
    "amount_requested": 171706.92,
    "loan_type": "Personal_Loan",
    "loan_purpose": "Player near our behind try yeah.",
    "collateral": [
      {
        "asset_type": "Marketable Securities",
        "estimated_value": 2465935.71,
        "lien_status": "First_Lien",
        "appraisal_date": "2025-07-27"
      },
      {
        "asset_type": "Marketable Securities",
        "estimated_value": 8499373.99,
        "lien_status": "Second_Lien",
        "appraisal_date": "2025-07-06"
      }
    ]
  },
  "financial_summary": {
    "annual_income_usd": 760755.1,
    "debt_to_income_ratio": 0.61,
    "credit_score": 680,
    "bank_accounts": [
      {
        "bank_name": "Garcia-Carrillo",
        "account_type": "Investment",
        "average_monthly_balance_usd": 66941.54,
        "last_statement_date": "2025-07-02"
      },
      {
        "bank_name": "Valentine-Lyons",
        "account_type": "Checking",
        "average_monthly_balance_usd": 72702.96,
        "last_statement_date": "2025-06-23"
      },
      {
        "bank_name": "Thompson-Williams",
        "account_type": "Savings",
        "average_monthly_balance_usd": 16361.84,
        "last_statement_date": "2025-06-22"
      }
    ]
  },
  "risk_assessment": {
    "underwriter_notes": "Applicant profile is generally positive, but the DTI of 0.61 is a moderate concern. Credit score of 680 is acceptable. Recommend approval subject to verification of liquid assets.",
    "risk_score_out_of_100": 71,
    "recommended_action": "Approve_with_Conditions",
    "conditions_for_approval": [
      "Proof of hazard insurance for the subject property.",
      "Receipt of updated bank statements showing sufficient closing funds.",
      "Satisfactory final appraisal report."
    ]
  },
  "application_status": "Pending_Conditions",
  "underwriting_date": "2025-08-02"
}