<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-2000-16565
**Date of Review:** 2025-08-10

This report summarizes the comprehensive underwriting review for the application submitted by Penny Alexander. The request is for a Personal Loan totaling $385,761.26. The specified purpose for the funds is: 'Middle prevent my low player common back western scene soon wish.'.

**Applicant Profile & Financials:**
The applicant, born 1991-05-20, currently resides at 1306 Benjamin Well Suite 493, North Sarah, TX 13959, where they have lived for 17 months. Identity was cross-verified using the provided SSN suffix (****-8559). All communications have been directed to caroltorres@example.org.
The applicant's financial standing was evaluated based on submitted documentation. The reported annual income is $488,744.27. The primary credit bureau returned a score of 670. This results in a calculated debt-to-income (DTI) ratio of 18.00%. A review of liquid assets shows several accounts, including a Investment account at Waller, Wright and Adkins with an average balance of $17,115.50 according to the statement dated 2025-06-18. 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 $3,572,246.32. The most recent appraisal was conducted on 2025-06-02. The title search confirms its status as Second_Lien.

**Risk Evaluation & Recommendation:**
Internal Memo: Applicant has strong credit history (670) and stable employment. Collateral valuation is robust. Debt-to-income ratio (0.18) 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-2000-16565",
  "applicant_details": {
    "name": "Penny Alexander",
    "date_of_birth": "1991-05-20",
    "ssn_last_4_digits": "8559",
    "contact_info": {
      "email": "caroltorres@example.org",
      "phone_number": "7282592499"
    },
    "residential_history": [
      {
        "address": "1306 Benjamin Well Suite 493, North Sarah, TX 13959",
        "duration_months": 17,
        "is_current": true
      },
      {
        "address": "387 Swanson Path, East Johnny, IA 33945",
        "duration_months": 31,
        "is_current": false
      },
      {
        "address": "932 Glenn Avenue Suite 634, Tonyaside, ME 44290",
        "duration_months": 42,
        "is_current": false
      }
    ]
  },
  "loan_request": {
    "amount_requested": 385761.26,
    "loan_type": "Personal_Loan",
    "loan_purpose": "Middle prevent my low player common back western scene soon wish.",
    "collateral": [
      {
        "asset_type": "Residential Property",
        "estimated_value": 3572246.32,
        "lien_status": "Second_Lien",
        "appraisal_date": "2025-06-02"
      },
      {
        "asset_type": "Residential Property",
        "estimated_value": 1062199.51,
        "lien_status": "First_Lien",
        "appraisal_date": "2025-06-07"
      }
    ]
  },
  "financial_summary": {
    "annual_income_usd": 488744.27,
    "debt_to_income_ratio": 0.18,
    "credit_score": 670,
    "bank_accounts": [
      {
        "bank_name": "Waller, Wright and Adkins",
        "account_type": "Investment",
        "average_monthly_balance_usd": 17115.5,
        "last_statement_date": "2025-06-18"
      },
      {
        "bank_name": "Andrews Group",
        "account_type": "Investment",
        "average_monthly_balance_usd": 22930.84,
        "last_statement_date": "2025-07-05"
      },
      {
        "bank_name": "Jones-Lee",
        "account_type": "Checking",
        "average_monthly_balance_usd": 93209.96,
        "last_statement_date": "2025-06-28"
      },
      {
        "bank_name": "Mejia, Hall and Gonzalez",
        "account_type": "Checking",
        "average_monthly_balance_usd": 65903.47,
        "last_statement_date": "2025-06-28"
      }
    ]
  },
  "risk_assessment": {
    "underwriter_notes": "Applicant has strong credit history (670) and stable employment. Collateral valuation is robust. Debt-to-income ratio (0.18) 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": "2025-08-10"
}