<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-1977-28050
**Date of Review:** 2025-07-20

This report summarizes the comprehensive underwriting review for the application submitted by Christy Reynolds. The request is for a Personal Loan totaling $999,082.65. No specific purpose was detailed in the application's optional section.

**Applicant Profile & Financials:**
The applicant, born 1979-06-25, currently resides at 8404 Francisco Pike, Lake Sherry, KS 34189, where they have lived for 16 months. Identity was cross-verified using the provided SSN suffix (****-5960). All communications have been directed to clarkjason@example.org.
The applicant's financial standing was evaluated based on submitted documentation. The reported annual income is $763,200.86. The primary credit bureau returned a score of 566. This results in a calculated debt-to-income (DTI) ratio of 58.00%. A review of liquid assets shows several accounts, including a Checking account at Frazier Inc with an average balance of $35,502.06 according to the statement dated 2025-07-11. 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 566 is acceptable. Recommend approval subject to verification of liquid assets. This assessment yields a composite risk score of 65 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.
2. Verification of employment for the last 24 months.
</data>
{
  "loan_application_id": "LLA-1977-28050",
  "applicant_details": {
    "name": "Christy Reynolds",
    "date_of_birth": "1979-06-25",
    "ssn_last_4_digits": "5960",
    "contact_info": {
      "email": "clarkjason@example.org",
      "phone_number": "6915849361"
    },
    "residential_history": [
      {
        "address": "8404 Francisco Pike, Lake Sherry, KS 34189",
        "duration_months": 16,
        "is_current": true
      },
      {
        "address": "305 Andrew Spring, West Carolburgh, DC 76261",
        "duration_months": 71,
        "is_current": false
      },
      {
        "address": "63669 Cobb Causeway Suite 946, Dianamouth, MT 57321",
        "duration_months": 21,
        "is_current": false
      }
    ]
  },
  "loan_request": {
    "amount_requested": 999082.65,
    "loan_type": "Personal_Loan"
  },
  "financial_summary": {
    "annual_income_usd": 763200.86,
    "debt_to_income_ratio": 0.58,
    "credit_score": 566,
    "bank_accounts": [
      {
        "bank_name": "Frazier Inc",
        "account_type": "Checking",
        "average_monthly_balance_usd": 35502.06,
        "last_statement_date": "2025-07-11"
      },
      {
        "bank_name": "Oconnell-Turner",
        "account_type": "Investment",
        "average_monthly_balance_usd": 79558.16,
        "last_statement_date": "2025-06-26"
      },
      {
        "bank_name": "Decker-Smith",
        "account_type": "Investment",
        "average_monthly_balance_usd": 52438.03,
        "last_statement_date": "2025-07-04"
      }
    ]
  },
  "risk_assessment": {
    "underwriter_notes": "Applicant profile is generally positive, but the DTI of 0.58 is a moderate concern. Credit score of 566 is acceptable. Recommend approval subject to verification of liquid assets.",
    "risk_score_out_of_100": 65,
    "recommended_action": "Approve_with_Conditions",
    "conditions_for_approval": [
      "Receipt of updated bank statements showing sufficient closing funds.",
      "Verification of employment for the last 24 months."
    ]
  },
  "application_status": "Pending_Conditions",
  "underwriting_date": "2025-07-20"
}