<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-1993-50989
**Date of Review:** 2025-07-17

This report summarizes the comprehensive underwriting review for the application submitted by Christopher Thompson. The request is for a Personal Loan totaling $283,481.56. The specified purpose for the funds is: 'Hot political full summer expect.'.

**Applicant Profile & Financials:**
The applicant, born 1986-03-13, currently resides at 46297 Peggy Divide Suite 598, Bakerborough, TN 47393, where they have lived for 43 months. Identity was cross-verified using the provided SSN suffix (****-2938). All communications have been directed to belljordan@example.net.
The applicant's financial standing was evaluated based on submitted documentation. The reported annual income is $489,770.46. The primary credit bureau returned a score of 849. This results in a calculated debt-to-income (DTI) ratio of 53.00%. A review of liquid assets shows several accounts, including a Checking account at Montgomery, Jones and Cook with an average balance of $51,996.83 according to the statement dated 2025-07-06. 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 $4,546,088.39. The most recent appraisal was conducted on 2025-05-15. The title search confirms its status as Second_Lien.

**Risk Evaluation & Recommendation:**
Internal Memo: Applicant has strong credit history (849) and stable employment. Collateral valuation is robust. Debt-to-income ratio (0.53) is well within acceptable limits. Low risk profile identified. This assessment yields a composite risk score of 84 out of 100.
**Final Decision:** Based on the factors outlined, the recommended action is **Approve with Standard Terms**. The system status for this application has been updated to 'Approved'.
</data>
{
  "loan_application_id": "LLA-1993-50989",
  "applicant_details": {
    "name": "Christopher Thompson",
    "date_of_birth": "1986-03-13",
    "ssn_last_4_digits": "2938",
    "contact_info": {
      "email": "belljordan@example.net",
      "phone_number": "+1-400-822-0974x430"
    },
    "residential_history": [
      {
        "address": "46297 Peggy Divide Suite 598, Bakerborough, TN 47393",
        "duration_months": 43,
        "is_current": true
      },
      {
        "address": "7047 Christopher River, Lyonsside, DC 71737",
        "duration_months": 37,
        "is_current": false
      },
      {
        "address": "40247 Sherman Creek Apt. 043, North Tony, NC 07955",
        "duration_months": 22,
        "is_current": false
      }
    ]
  },
  "loan_request": {
    "amount_requested": 283481.56,
    "loan_type": "Personal_Loan",
    "loan_purpose": "Hot political full summer expect.",
    "collateral": [
      {
        "asset_type": "Residential Property",
        "estimated_value": 4546088.39,
        "lien_status": "Second_Lien",
        "appraisal_date": "2025-05-15"
      },
      {
        "asset_type": "Business Equipment",
        "estimated_value": 1869034.07,
        "lien_status": "First_Lien"
      }
    ]
  },
  "financial_summary": {
    "annual_income_usd": 489770.46,
    "debt_to_income_ratio": 0.53,
    "credit_score": 849,
    "bank_accounts": [
      {
        "bank_name": "Montgomery, Jones and Cook",
        "account_type": "Checking",
        "average_monthly_balance_usd": 51996.83,
        "last_statement_date": "2025-07-06"
      },
      {
        "bank_name": "Smith-Williams",
        "account_type": "Savings",
        "average_monthly_balance_usd": 23142.06,
        "last_statement_date": "2025-06-20"
      }
    ]
  },
  "risk_assessment": {
    "underwriter_notes": "Applicant has strong credit history (849) and stable employment. Collateral valuation is robust. Debt-to-income ratio (0.53) is well within acceptable limits. Low risk profile identified.",
    "risk_score_out_of_100": 84,
    "recommended_action": "Approve_with_Standard_Terms"
  },
  "application_status": "Approved",
  "underwriting_date": "2025-07-17"
}