<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-2008-45189
**Date of Review:** 2025-07-26

This report summarizes the comprehensive underwriting review for the application submitted by Heidi Moore. The request is for a Business Expansion Loan totaling $632,233.10. The specified purpose for the funds is: 'Itself talk its school benefit again trial fund sport price.'.

**Applicant Profile & Financials:**
The applicant, born 1972-06-17, currently resides at 1863 Frances Throughway Suite 888, Carlosstad, ME 83137, where they have lived for 72 months. Identity was cross-verified using the provided SSN suffix (****-7697). All communications have been directed to willieerickson@example.org.
The applicant's financial standing was evaluated based on submitted documentation. The reported annual income is $614,859.25. The primary credit bureau returned a score of 636. This results in a calculated debt-to-income (DTI) ratio of 63.00%. A review of liquid assets shows several accounts, including a Investment account at Jackson, Chase and Flores with an average balance of $61,454.31 according to the statement dated 2025-06-14. 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 0.63 is a moderate concern. Credit score of 636 is acceptable. Recommend approval subject to verification of liquid assets. This assessment yields a composite risk score of 68 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.
</data>
{
  "loan_application_id": "LLA-2008-45189",
  "applicant_details": {
    "name": "Heidi Moore",
    "date_of_birth": "1972-06-17",
    "ssn_last_4_digits": "7697",
    "contact_info": {
      "email": "willieerickson@example.org",
      "phone_number": "+1-488-820-6820x19905"
    },
    "residential_history": [
      {
        "address": "1863 Frances Throughway Suite 888, Carlosstad, ME 83137",
        "duration_months": 72,
        "is_current": true
      },
      {
        "address": "42044 Elizabeth Island Apt. 792, Ashleyton, IN 36051",
        "duration_months": 59,
        "is_current": false
      },
      {
        "address": "1358 Natalie Manors Apt. 075, West Katieshire, WA 60782",
        "duration_months": 71,
        "is_current": false
      }
    ]
  },
  "loan_request": {
    "amount_requested": 632233.1,
    "loan_type": "Business_Expansion_Loan",
    "loan_purpose": "Itself talk its school benefit again trial fund sport price."
  },
  "financial_summary": {
    "annual_income_usd": 614859.25,
    "debt_to_income_ratio": 0.63,
    "credit_score": 636,
    "bank_accounts": [
      {
        "bank_name": "Jackson, Chase and Flores",
        "account_type": "Investment",
        "average_monthly_balance_usd": 61454.31,
        "last_statement_date": "2025-06-14"
      },
      {
        "bank_name": "Miller Ltd",
        "account_type": "Money Market",
        "average_monthly_balance_usd": 73622.79,
        "last_statement_date": "2025-07-04"
      }
    ]
  },
  "risk_assessment": {
    "underwriter_notes": "Applicant profile is generally positive, but the DTI of 0.63 is a moderate concern. Credit score of 636 is acceptable. Recommend approval subject to verification of liquid assets.",
    "risk_score_out_of_100": 68,
    "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."
    ]
  },
  "application_status": "Pending_Conditions",
  "underwriting_date": "2025-07-26"
}