<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-1977-71102
**Date of Review:** 2025-08-07

This report summarizes the comprehensive underwriting review for the application submitted by Kelly Anderson. The request is for a Business Expansion Loan totaling $933,675.98. The specified purpose for the funds is: 'Eight thousand agreement subject everyone wonder than so near sound.'.

**Applicant Profile & Financials:**
The applicant, born 1980-11-06, currently resides at 9193 Collins Stream, Lake Michaelfurt, DC 08844, where they have lived for 70 months. Identity was cross-verified using the provided SSN suffix (****-7955). All communications have been directed to jgolden@example.org.
The applicant's financial standing was evaluated based on submitted documentation. The reported annual income is $819,731.31. The primary credit bureau returned a score of 581. This results in a calculated debt-to-income (DTI) ratio of 17.00%. A review of liquid assets shows several accounts, including a Investment account at Duarte, Garcia and Cruz with an average balance of $14,252.90 according to the statement dated 2025-07-09. 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 $4,448,366.38. The title search confirms its status as First_Lien.

**Risk Evaluation & Recommendation:**
Internal Memo: Applicant profile is generally positive, but the DTI of 0.17 is a moderate concern. Credit score of 581 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. Satisfactory final appraisal report.
2. Verification of employment for the last 24 months.
</data>
{
  "loan_application_id": "LLA-1977-71102",
  "applicant_details": {
    "name": "Kelly Anderson",
    "date_of_birth": "1980-11-06",
    "ssn_last_4_digits": "7955",
    "contact_info": {
      "email": "jgolden@example.org",
      "phone_number": "6003225008"
    },
    "residential_history": [
      {
        "address": "9193 Collins Stream, Lake Michaelfurt, DC 08844",
        "duration_months": 70,
        "is_current": true
      },
      {
        "address": "5517 Berger Light Apt. 006, Paulaville, ID 38016",
        "duration_months": 68,
        "is_current": false
      },
      {
        "address": "0301 Rodriguez Fields Suite 507, Mooreton, PR 45750",
        "duration_months": 30,
        "is_current": false
      }
    ]
  },
  "loan_request": {
    "amount_requested": 933675.98,
    "loan_type": "Business_Expansion_Loan",
    "loan_purpose": "Eight thousand agreement subject everyone wonder than so near sound.",
    "collateral": [
      {
        "asset_type": "Marketable Securities",
        "estimated_value": 4448366.38,
        "lien_status": "First_Lien"
      },
      {
        "asset_type": "Residential Property",
        "estimated_value": 3353631.8,
        "lien_status": "First_Lien"
      }
    ]
  },
  "financial_summary": {
    "annual_income_usd": 819731.31,
    "debt_to_income_ratio": 0.17,
    "credit_score": 581,
    "bank_accounts": [
      {
        "bank_name": "Duarte, Garcia and Cruz",
        "account_type": "Investment",
        "average_monthly_balance_usd": 14252.9,
        "last_statement_date": "2025-07-09"
      },
      {
        "bank_name": "Mora-Marshall",
        "account_type": "Checking",
        "average_monthly_balance_usd": 62591.74,
        "last_statement_date": "2025-07-05"
      },
      {
        "bank_name": "Mercado, Garcia and Wilson",
        "account_type": "Checking",
        "average_monthly_balance_usd": 77901.84,
        "last_statement_date": "2025-07-02"
      }
    ]
  },
  "risk_assessment": {
    "underwriter_notes": "Applicant profile is generally positive, but the DTI of 0.17 is a moderate concern. Credit score of 581 is acceptable. Recommend approval subject to verification of liquid assets.",
    "risk_score_out_of_100": 79,
    "recommended_action": "Approve_with_Conditions",
    "conditions_for_approval": [
      "Satisfactory final appraisal report.",
      "Verification of employment for the last 24 months."
    ]
  },
  "application_status": "Pending_Conditions",
  "underwriting_date": "2025-08-07"
}