<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-2018-81938
**Date of Review:** 2025-07-25

This report summarizes the comprehensive underwriting review for the application submitted by Stacey Russell. The request is for a Personal Loan totaling $371,040.07. No specific purpose was detailed in the application's optional section.

**Applicant Profile & Financials:**
The applicant, born 1996-09-20, currently resides at USS Casey, FPO AA 42672, where they have lived for 36 months. Identity was cross-verified using the provided SSN suffix (****-2019). All communications have been directed to ogray@example.net.
The applicant's financial standing was evaluated based on submitted documentation. The reported annual income is $895,196.64. The primary credit bureau returned a score of 735. This results in a calculated debt-to-income (DTI) ratio of 46.00%. A review of liquid assets shows several accounts, including a Checking account at Fischer, Hill and Anderson with an average balance of $23,696.10 according to the statement dated 2025-07-11. 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 Residential Property with a reported value of $2,486,567.53. The title search confirms its status as Unencumbered.

**Risk Evaluation & Recommendation:**
Internal Memo: Applicant profile is generally positive, but the DTI of 0.46 is a moderate concern. Credit score of 735 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. Receipt of updated bank statements showing sufficient closing funds.
2. Satisfactory final appraisal report.
3. Verification of employment for the last 24 months.
</data>
{
  "loan_application_id": "LLA-2018-81938",
  "applicant_details": {
    "name": "Stacey Russell",
    "date_of_birth": "1996-09-20",
    "ssn_last_4_digits": "2019",
    "contact_info": {
      "email": "ogray@example.net",
      "phone_number": "(269)375-6248x63025"
    },
    "residential_history": [
      {
        "address": "USS Casey, FPO AA 42672",
        "duration_months": 36,
        "is_current": true
      },
      {
        "address": "USCGC Jones, FPO AE 61796",
        "duration_months": 62,
        "is_current": false
      },
      {
        "address": "60782 Sheila Walk Apt. 085, Mariemouth, NM 73262",
        "duration_months": 24,
        "is_current": false
      }
    ]
  },
  "loan_request": {
    "amount_requested": 371040.07,
    "loan_type": "Personal_Loan",
    "collateral": [
      {
        "asset_type": "Residential Property",
        "estimated_value": 2486567.53,
        "lien_status": "Unencumbered"
      },
      {
        "asset_type": "Business Equipment",
        "estimated_value": 4541527.39,
        "lien_status": "Unencumbered",
        "appraisal_date": "2025-07-18"
      }
    ]
  },
  "financial_summary": {
    "annual_income_usd": 895196.64,
    "debt_to_income_ratio": 0.46,
    "credit_score": 735,
    "bank_accounts": [
      {
        "bank_name": "Fischer, Hill and Anderson",
        "account_type": "Checking",
        "average_monthly_balance_usd": 23696.1,
        "last_statement_date": "2025-07-11"
      },
      {
        "bank_name": "Pierce PLC",
        "account_type": "Checking",
        "average_monthly_balance_usd": 59581.12,
        "last_statement_date": "2025-07-07"
      },
      {
        "bank_name": "Stephens Inc",
        "account_type": "Money Market",
        "average_monthly_balance_usd": 26836.16,
        "last_statement_date": "2025-07-06"
      },
      {
        "bank_name": "Frazier, Willis and Johnson",
        "account_type": "Investment",
        "average_monthly_balance_usd": 77551.2,
        "last_statement_date": "2025-06-19"
      }
    ]
  },
  "risk_assessment": {
    "underwriter_notes": "Applicant profile is generally positive, but the DTI of 0.46 is a moderate concern. Credit score of 735 is acceptable. Recommend approval subject to verification of liquid assets.",
    "risk_score_out_of_100": 79,
    "recommended_action": "Approve_with_Conditions",
    "conditions_for_approval": [
      "Receipt of updated bank statements showing sufficient closing funds.",
      "Satisfactory final appraisal report.",
      "Verification of employment for the last 24 months."
    ]
  },
  "application_status": "Pending_Conditions",
  "underwriting_date": "2025-07-25"
}