<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-2009-59757
**Date of Review:** 2025-08-02

This report summarizes the comprehensive underwriting review for the application submitted by Regina Lewis. The request is for a Business Expansion Loan totaling $330,925.95. The specified purpose for the funds is: 'Pattern couple way news at remain station billion your.'.

**Applicant Profile & Financials:**
The applicant, born 1955-01-16, currently resides at 05134 Theresa Tunnel, East Bill, VT 08807, where they have lived for 31 months. Identity was cross-verified using the provided SSN suffix (****-9416). All communications have been directed to jenniferwebster@example.org.
The applicant's financial standing was evaluated based on submitted documentation. The reported annual income is $885,869.82. The primary credit bureau returned a score of 572. This results in a calculated debt-to-income (DTI) ratio of 30.00%. A review of liquid assets shows several accounts, including a Money Market account at Conway PLC with an average balance of $66,015.03 according to the statement dated 2025-07-12. Market conditions have been stable, although we noted a slight dip in the index last Tuesday, which is considered immaterial to this assessment.

**Risk Evaluation & Recommendation:**
Internal Memo: Applicant profile is generally positive, but the DTI of 0.3 is a moderate concern. Credit score of 572 is acceptable. Recommend approval subject to verification of liquid assets. This assessment yields a composite risk score of 74 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.
2. Receipt of updated bank statements showing sufficient closing funds.
3. Satisfactory final appraisal report.
</data>
{
  "loan_application_id": "LLA-2009-59757",
  "applicant_details": {
    "name": "Regina Lewis",
    "date_of_birth": "1955-01-16",
    "ssn_last_4_digits": "9416",
    "contact_info": {
      "email": "jenniferwebster@example.org",
      "phone_number": "(625)258-4860x178"
    },
    "residential_history": [
      {
        "address": "05134 Theresa Tunnel, East Bill, VT 08807",
        "duration_months": 31,
        "is_current": true
      },
      {
        "address": "76121 Walker Road, Millershire, TN 62565",
        "duration_months": 59,
        "is_current": false
      },
      {
        "address": "73580 Edwards Loaf Suite 181, Lake Davidfort, IA 96501",
        "duration_months": 36,
        "is_current": false
      }
    ]
  },
  "loan_request": {
    "amount_requested": 330925.95,
    "loan_type": "Business_Expansion_Loan",
    "loan_purpose": "Pattern couple way news at remain station billion your."
  },
  "financial_summary": {
    "annual_income_usd": 885869.82,
    "debt_to_income_ratio": 0.3,
    "credit_score": 572,
    "bank_accounts": [
      {
        "bank_name": "Conway PLC",
        "account_type": "Money Market",
        "average_monthly_balance_usd": 66015.03,
        "last_statement_date": "2025-07-12"
      },
      {
        "bank_name": "Baker, Smith and Carter",
        "account_type": "Checking",
        "average_monthly_balance_usd": 24256.28,
        "last_statement_date": "2025-06-20"
      },
      {
        "bank_name": "Johnson, Brown and Gordon",
        "account_type": "Savings",
        "average_monthly_balance_usd": 53988.89,
        "last_statement_date": "2025-06-20"
      },
      {
        "bank_name": "Riley, Shaw and Parker",
        "account_type": "Investment",
        "average_monthly_balance_usd": 70117.83,
        "last_statement_date": "2025-07-06"
      }
    ]
  },
  "risk_assessment": {
    "underwriter_notes": "Applicant profile is generally positive, but the DTI of 0.3 is a moderate concern. Credit score of 572 is acceptable. Recommend approval subject to verification of liquid assets.",
    "risk_score_out_of_100": 74,
    "recommended_action": "Approve_with_Conditions",
    "conditions_for_approval": [
      "Verification of employment for the last 24 months.",
      "Receipt of updated bank statements showing sufficient closing funds.",
      "Satisfactory final appraisal report."
    ]
  },
  "application_status": "Pending_Conditions",
  "underwriting_date": "2025-08-02"
}