<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-1996-55864
**Date of Review:** 2025-08-02

This report summarizes the comprehensive underwriting review for the application submitted by David Blankenship. The request is for a Personal Loan totaling $149,622.00. The specified purpose for the funds is: 'Reach lot treat choice girl wall reveal power whom discussion.'.

**Applicant Profile & Financials:**
The applicant, born 1963-01-24, currently resides at 5754 Mann Meadows, Griffithmouth, PR 03645, where they have lived for 23 months. Identity was cross-verified using the provided SSN suffix (****-0685). All communications have been directed to dennisdevin@example.net.
The applicant's financial standing was evaluated based on submitted documentation. The reported annual income is $475,427.05. The primary credit bureau returned a score of 567. This results in a calculated debt-to-income (DTI) ratio of 28.00%. A review of liquid assets shows several accounts, including a Investment account at Cole, Roy and Benton with an average balance of $44,768.07 according to the statement dated 2025-07-06. 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 Marketable Securities with a reported value of $5,166,695.71. The most recent appraisal was conducted on 2025-08-01. The title search confirms its status as Unencumbered.

**Risk Evaluation & Recommendation:**
Internal Memo: Applicant profile is generally positive, but the DTI of 0.28 is a moderate concern. Credit score of 567 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.
</data>
{
  "loan_application_id": "LLA-1996-55864",
  "applicant_details": {
    "name": "David Blankenship",
    "date_of_birth": "1963-01-24",
    "ssn_last_4_digits": "0685",
    "contact_info": {
      "email": "dennisdevin@example.net",
      "phone_number": "414.270.3842x859"
    },
    "residential_history": [
      {
        "address": "5754 Mann Meadows, Griffithmouth, PR 03645",
        "duration_months": 23,
        "is_current": true
      },
      {
        "address": "75635 Barber Village Suite 575, Austinland, SD 43484",
        "duration_months": 64,
        "is_current": false
      },
      {
        "address": "903 Smith Center, Reginastad, UT 43244",
        "duration_months": 66,
        "is_current": false
      }
    ]
  },
  "loan_request": {
    "amount_requested": 149622.0,
    "loan_type": "Personal_Loan",
    "loan_purpose": "Reach lot treat choice girl wall reveal power whom discussion.",
    "collateral": [
      {
        "asset_type": "Marketable Securities",
        "estimated_value": 5166695.71,
        "lien_status": "Unencumbered",
        "appraisal_date": "2025-08-01"
      },
      {
        "asset_type": "Commercial Real Estate",
        "estimated_value": 2937255.5,
        "lien_status": "Second_Lien",
        "appraisal_date": "2025-08-12"
      }
    ]
  },
  "financial_summary": {
    "annual_income_usd": 475427.05,
    "debt_to_income_ratio": 0.28,
    "credit_score": 567,
    "bank_accounts": [
      {
        "bank_name": "Cole, Roy and Benton",
        "account_type": "Investment",
        "average_monthly_balance_usd": 44768.07,
        "last_statement_date": "2025-07-06"
      },
      {
        "bank_name": "Fuller-Perez",
        "account_type": "Checking",
        "average_monthly_balance_usd": 17812.78,
        "last_statement_date": "2025-06-27"
      },
      {
        "bank_name": "Hughes, Wolfe and Young",
        "account_type": "Money Market",
        "average_monthly_balance_usd": 16457.74,
        "last_statement_date": "2025-06-21"
      }
    ]
  },
  "risk_assessment": {
    "underwriter_notes": "Applicant profile is generally positive, but the DTI of 0.28 is a moderate concern. Credit score of 567 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."
    ]
  },
  "application_status": "Pending_Conditions",
  "underwriting_date": "2025-08-02"
}