<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-2019-40140
**Date of Review:** 2025-07-14

This report summarizes the comprehensive underwriting review for the application submitted by Patrick Vincent. The request is for a Personal Loan totaling $722,954.58. The specified purpose for the funds is: 'Population protect way improve mission prevent.'.

**Applicant Profile & Financials:**
The applicant, born 1996-01-18, currently resides at 27543 Young Ford Apt. 180, North Melissaland, AZ 83622, where they have lived for 51 months. Identity was cross-verified using the provided SSN suffix (****-2768). All communications have been directed to kbarker@example.net.
The applicant's financial standing was evaluated based on submitted documentation. The reported annual income is $300,643.07. The primary credit bureau returned a score of 798. This results in a calculated debt-to-income (DTI) ratio of 58.00%. A review of liquid assets shows several accounts, including a Savings account at Robinson, Lamb and Hill with an average balance of $71,579.64 according to the statement dated 2025-07-02. 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 0.58 is a moderate concern. Credit score of 798 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. Receipt of updated bank statements showing sufficient closing funds.
</data>
{
  "loan_application_id": "LLA-2019-40140",
  "applicant_details": {
    "name": "Patrick Vincent",
    "date_of_birth": "1996-01-18",
    "ssn_last_4_digits": "2768",
    "contact_info": {
      "email": "kbarker@example.net",
      "phone_number": "(842)233-3155x8755"
    },
    "residential_history": [
      {
        "address": "27543 Young Ford Apt. 180, North Melissaland, AZ 83622",
        "duration_months": 51,
        "is_current": true
      },
      {
        "address": "713 Myers Divide Suite 487, Thorntonfurt, AZ 51803",
        "duration_months": 15,
        "is_current": false
      },
      {
        "address": "PSC 3152, Box 5529, APO AP 66048",
        "duration_months": 61,
        "is_current": false
      }
    ]
  },
  "loan_request": {
    "amount_requested": 722954.58,
    "loan_type": "Personal_Loan",
    "loan_purpose": "Population protect way improve mission prevent."
  },
  "financial_summary": {
    "annual_income_usd": 300643.07,
    "debt_to_income_ratio": 0.58,
    "credit_score": 798,
    "bank_accounts": [
      {
        "bank_name": "Robinson, Lamb and Hill",
        "account_type": "Savings",
        "average_monthly_balance_usd": 71579.64,
        "last_statement_date": "2025-07-02"
      },
      {
        "bank_name": "Stevens, Kaiser and Hunt",
        "account_type": "Investment",
        "average_monthly_balance_usd": 90661.01,
        "last_statement_date": "2025-06-29"
      }
    ]
  },
  "risk_assessment": {
    "underwriter_notes": "Applicant profile is generally positive, but the DTI of 0.58 is a moderate concern. Credit score of 798 is acceptable. Recommend approval subject to verification of liquid assets.",
    "risk_score_out_of_100": 79,
    "recommended_action": "Approve_with_Conditions",
    "conditions_for_approval": [
      "Receipt of updated bank statements showing sufficient closing funds."
    ]
  },
  "application_status": "Pending_Conditions",
  "underwriting_date": "2025-07-14"
}