<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-1988-78341
**Date of Review:** 2025-07-21

This report summarizes the comprehensive underwriting review for the application submitted by Connie Harper. The request is for a Personal Loan totaling $876,388.69. No specific purpose was detailed in the application's optional section.

**Applicant Profile & Financials:**
The applicant, born 1960-02-04, currently resides at 3428 Anderson Square, Loweryside, MH 59902, where they have lived for 27 months. Identity was cross-verified using the provided SSN suffix (****-3705). All communications have been directed to carterabigail@example.com.
The applicant's financial standing was evaluated based on submitted documentation. The reported annual income is $148,307.11. The primary credit bureau returned a score of 791. This results in a calculated debt-to-income (DTI) ratio of 64.00%. A review of liquid assets shows several accounts, including a Checking account at Ruiz-Thompson with an average balance of $80,592.14 according to the statement dated 2025-06-21. 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 $7,736,333.80. The most recent appraisal was conducted on 2025-05-19. The title search confirms its status as Second_Lien.

**Risk Evaluation & Recommendation:**
Internal Memo: Applicant profile is generally positive, but the DTI of 0.64 is a moderate concern. Credit score of 791 is acceptable. Recommend approval subject to verification of liquid assets. This assessment yields a composite risk score of 72 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-1988-78341",
  "applicant_details": {
    "name": "Connie Harper",
    "date_of_birth": "1960-02-04",
    "ssn_last_4_digits": "3705",
    "contact_info": {
      "email": "carterabigail@example.com",
      "phone_number": "456.606.2245x8776"
    },
    "residential_history": [
      {
        "address": "3428 Anderson Square, Loweryside, MH 59902",
        "duration_months": 27,
        "is_current": true
      },
      {
        "address": "6643 Jordan Mission Apt. 244, Port David, VI 68673",
        "duration_months": 63,
        "is_current": false
      }
    ]
  },
  "loan_request": {
    "amount_requested": 876388.69,
    "loan_type": "Personal_Loan",
    "collateral": [
      {
        "asset_type": "Residential Property",
        "estimated_value": 7736333.8,
        "lien_status": "Second_Lien",
        "appraisal_date": "2025-05-19"
      },
      {
        "asset_type": "Commercial Real Estate",
        "estimated_value": 7860969.88,
        "lien_status": "Second_Lien",
        "appraisal_date": "2025-05-17"
      }
    ]
  },
  "financial_summary": {
    "annual_income_usd": 148307.11,
    "debt_to_income_ratio": 0.64,
    "credit_score": 791,
    "bank_accounts": [
      {
        "bank_name": "Ruiz-Thompson",
        "account_type": "Checking",
        "average_monthly_balance_usd": 80592.14,
        "last_statement_date": "2025-06-21"
      },
      {
        "bank_name": "Gentry, Mccoy and Bryant",
        "account_type": "Checking",
        "average_monthly_balance_usd": 38584.56,
        "last_statement_date": "2025-06-30"
      },
      {
        "bank_name": "Newman Inc",
        "account_type": "Savings",
        "average_monthly_balance_usd": 13041.33,
        "last_statement_date": "2025-06-27"
      }
    ]
  },
  "risk_assessment": {
    "underwriter_notes": "Applicant profile is generally positive, but the DTI of 0.64 is a moderate concern. Credit score of 791 is acceptable. Recommend approval subject to verification of liquid assets.",
    "risk_score_out_of_100": 72,
    "recommended_action": "Approve_with_Conditions",
    "conditions_for_approval": [
      "Verification of employment for the last 24 months."
    ]
  },
  "application_status": "Pending_Conditions",
  "underwriting_date": "2025-07-21"
}