<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-2001-64964
**Date of Review:** 2025-08-11

This report summarizes the comprehensive underwriting review for the application submitted by Matthew Lawrence. The request is for a Personal Loan totaling $935,484.26. The specified purpose for the funds is: 'Upon term benefit staff center.'.

**Applicant Profile & Financials:**
The applicant, born 1977-06-03, currently resides at 9092 Harrington Circles Apt. 815, Pattytown, NJ 23305, where they have lived for 38 months. Identity was cross-verified using the provided SSN suffix (****-3411). All communications have been directed to brian48@example.org.
The applicant's financial standing was evaluated based on submitted documentation. The reported annual income is $126,515.08. The primary credit bureau returned a score of 763. This results in a calculated debt-to-income (DTI) ratio of 40.00%. A review of liquid assets shows several accounts, including a Savings account at Howell Inc with an average balance of $35,443.76 according to the statement dated 2025-07-05. 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 0.4 is a moderate concern. Credit score of 763 is acceptable. Recommend approval subject to verification of liquid assets. This assessment yields a composite risk score of 75 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.
</data>
{
  "loan_application_id": "LLA-2001-64964",
  "applicant_details": {
    "name": "Matthew Lawrence",
    "date_of_birth": "1977-06-03",
    "ssn_last_4_digits": "3411",
    "contact_info": {
      "email": "brian48@example.org",
      "phone_number": "979-306-0948x05761"
    },
    "residential_history": [
      {
        "address": "9092 Harrington Circles Apt. 815, Pattytown, NJ 23305",
        "duration_months": 38,
        "is_current": true
      },
      {
        "address": "7661 Camacho Manor, Dianamouth, CO 20471",
        "duration_months": 16,
        "is_current": false
      },
      {
        "address": "12243 Eric Mews, North Vincenthaven, AS 63491",
        "duration_months": 50,
        "is_current": false
      }
    ]
  },
  "loan_request": {
    "amount_requested": 935484.26,
    "loan_type": "Personal_Loan",
    "loan_purpose": "Upon term benefit staff center."
  },
  "financial_summary": {
    "annual_income_usd": 126515.08,
    "debt_to_income_ratio": 0.4,
    "credit_score": 763,
    "bank_accounts": [
      {
        "bank_name": "Howell Inc",
        "account_type": "Savings",
        "average_monthly_balance_usd": 35443.76,
        "last_statement_date": "2025-07-05"
      },
      {
        "bank_name": "Chase LLC",
        "account_type": "Money Market",
        "average_monthly_balance_usd": 64745.58,
        "last_statement_date": "2025-07-07"
      },
      {
        "bank_name": "Harris, Brown and Johnston",
        "account_type": "Money Market",
        "average_monthly_balance_usd": 74566.81,
        "last_statement_date": "2025-07-06"
      },
      {
        "bank_name": "Guerrero LLC",
        "account_type": "Investment",
        "average_monthly_balance_usd": 31763.25,
        "last_statement_date": "2025-07-09"
      }
    ]
  },
  "risk_assessment": {
    "underwriter_notes": "Applicant profile is generally positive, but the DTI of 0.4 is a moderate concern. Credit score of 763 is acceptable. Recommend approval subject to verification of liquid assets.",
    "risk_score_out_of_100": 75,
    "recommended_action": "Approve_with_Conditions",
    "conditions_for_approval": [
      "Proof of hazard insurance for the subject property."
    ]
  },
  "application_status": "Pending_Conditions",
  "underwriting_date": "2025-08-11"
}