<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-1991-73574
**Date of Review:** 2025-08-06

This report summarizes the comprehensive underwriting review for the application submitted by Kelly Zamora. The request is for a Personal Loan totaling $852,308.10. The specified purpose for the funds is: 'Career arm send more model.'.

**Applicant Profile & Financials:**
The applicant, born 1969-07-17, currently resides at 7318 Hoffman Greens Suite 557, South Michaelport, OR 92411, where they have lived for 19 months. Identity was cross-verified using the provided SSN suffix (****-3774). All communications have been directed to joseph16@example.com.
The applicant's financial standing was evaluated based on submitted documentation. The reported annual income is $225,133.90. The primary credit bureau returned a score of 600. This results in a calculated debt-to-income (DTI) ratio of 65.00%. A review of liquid assets shows several accounts, including a Investment account at Sweeney Group with an average balance of $91,750.74 according to the statement dated 2025-06-27. 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 $3,686,243.05. The title search confirms its status as Unencumbered.

**Risk Evaluation & Recommendation:**
Internal Memo: Applicant profile is generally positive, but the DTI of 0.65 is a moderate concern. Credit score of 600 is acceptable. Recommend approval subject to verification of liquid assets. This assessment yields a composite risk score of 65 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. Verification of employment for the last 24 months.
</data>
{
  "loan_application_id": "LLA-1991-73574",
  "applicant_details": {
    "name": "Kelly Zamora",
    "date_of_birth": "1969-07-17",
    "ssn_last_4_digits": "3774",
    "contact_info": {
      "email": "joseph16@example.com",
      "phone_number": "+1-627-987-2020x7015"
    },
    "residential_history": [
      {
        "address": "7318 Hoffman Greens Suite 557, South Michaelport, OR 92411",
        "duration_months": 19,
        "is_current": true
      },
      {
        "address": "10015 Villanueva Branch, Marshallport, TN 92658",
        "duration_months": 18,
        "is_current": false
      },
      {
        "address": "518 Matthew Knoll, Ryanmouth, KY 98991",
        "duration_months": 65,
        "is_current": false
      }
    ]
  },
  "loan_request": {
    "amount_requested": 852308.1,
    "loan_type": "Personal_Loan",
    "loan_purpose": "Career arm send more model.",
    "collateral": [
      {
        "asset_type": "Marketable Securities",
        "estimated_value": 3686243.05,
        "lien_status": "Unencumbered"
      },
      {
        "asset_type": "Marketable Securities",
        "estimated_value": 9835649.0,
        "lien_status": "Unencumbered",
        "appraisal_date": "2025-07-20"
      }
    ]
  },
  "financial_summary": {
    "annual_income_usd": 225133.9,
    "debt_to_income_ratio": 0.65,
    "credit_score": 600,
    "bank_accounts": [
      {
        "bank_name": "Sweeney Group",
        "account_type": "Investment",
        "average_monthly_balance_usd": 91750.74,
        "last_statement_date": "2025-06-27"
      },
      {
        "bank_name": "Glenn, Strickland and Griffin",
        "account_type": "Investment",
        "average_monthly_balance_usd": 73030.48,
        "last_statement_date": "2025-06-25"
      },
      {
        "bank_name": "Byrd-Hill",
        "account_type": "Checking",
        "average_monthly_balance_usd": 64513.48,
        "last_statement_date": "2025-06-18"
      },
      {
        "bank_name": "Hayes LLC",
        "account_type": "Savings",
        "average_monthly_balance_usd": 34524.83,
        "last_statement_date": "2025-06-29"
      }
    ]
  },
  "risk_assessment": {
    "underwriter_notes": "Applicant profile is generally positive, but the DTI of 0.65 is a moderate concern. Credit score of 600 is acceptable. Recommend approval subject to verification of liquid assets.",
    "risk_score_out_of_100": 65,
    "recommended_action": "Approve_with_Conditions",
    "conditions_for_approval": [
      "Verification of employment for the last 24 months."
    ]
  },
  "application_status": "Pending_Conditions",
  "underwriting_date": "2025-08-06"
}