<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-2001-89523
**Date of Review:** 2025-08-05

This report summarizes the comprehensive underwriting review for the application submitted by Hector Medina. The request is for a Business Expansion Loan totaling $631,770.33. The specified purpose for the funds is: 'She black way off sort character financial report age generation.'.

**Applicant Profile & Financials:**
The applicant, born 1965-12-10, currently resides at 595 Theresa Freeway Suite 831, East Karlburgh, MI 22813, where they have lived for 52 months. Identity was cross-verified using the provided SSN suffix (****-1508). All communications have been directed to ureid@example.net.
The applicant's financial standing was evaluated based on submitted documentation. The reported annual income is $295,584.75. The primary credit bureau returned a score of 562. This results in a calculated debt-to-income (DTI) ratio of 64.00%. A review of liquid assets shows several accounts, including a Investment account at Keller LLC with an average balance of $28,438.47 according to the statement dated 2025-06-19. 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 Commercial Real Estate with a reported value of $2,610,005.52. The title search confirms its status as Unencumbered.

**Risk Evaluation & Recommendation:**
Internal Memo: Applicant profile is generally positive, but the DTI of 0.64 is a moderate concern. Credit score of 562 is acceptable. Recommend approval subject to verification of liquid assets. This assessment yields a composite risk score of 63 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. Proof of hazard insurance for the subject property.
</data>
{
  "loan_application_id": "LLA-2001-89523",
  "applicant_details": {
    "name": "Hector Medina",
    "date_of_birth": "1965-12-10",
    "ssn_last_4_digits": "1508",
    "contact_info": {
      "email": "ureid@example.net",
      "phone_number": "001-908-857-9780x363"
    },
    "residential_history": [
      {
        "address": "595 Theresa Freeway Suite 831, East Karlburgh, MI 22813",
        "duration_months": 52,
        "is_current": true
      },
      {
        "address": "Unit 2460 Box 8429, DPO AP 82788",
        "duration_months": 66,
        "is_current": false
      },
      {
        "address": "7726 Shannon Throughway Apt. 539, Thomasside, FM 41672",
        "duration_months": 18,
        "is_current": false
      }
    ]
  },
  "loan_request": {
    "amount_requested": 631770.33,
    "loan_type": "Business_Expansion_Loan",
    "loan_purpose": "She black way off sort character financial report age generation.",
    "collateral": [
      {
        "asset_type": "Commercial Real Estate",
        "estimated_value": 2610005.52,
        "lien_status": "Unencumbered"
      }
    ]
  },
  "financial_summary": {
    "annual_income_usd": 295584.75,
    "debt_to_income_ratio": 0.64,
    "credit_score": 562,
    "bank_accounts": [
      {
        "bank_name": "Keller LLC",
        "account_type": "Investment",
        "average_monthly_balance_usd": 28438.47,
        "last_statement_date": "2025-06-19"
      },
      {
        "bank_name": "Fields, Caldwell and Kemp",
        "account_type": "Investment",
        "average_monthly_balance_usd": 33747.81,
        "last_statement_date": "2025-06-14"
      },
      {
        "bank_name": "Gray PLC",
        "account_type": "Investment",
        "average_monthly_balance_usd": 58697.23,
        "last_statement_date": "2025-06-26"
      },
      {
        "bank_name": "Knight-Berry",
        "account_type": "Investment",
        "average_monthly_balance_usd": 80772.16,
        "last_statement_date": "2025-06-27"
      }
    ]
  },
  "risk_assessment": {
    "underwriter_notes": "Applicant profile is generally positive, but the DTI of 0.64 is a moderate concern. Credit score of 562 is acceptable. Recommend approval subject to verification of liquid assets.",
    "risk_score_out_of_100": 63,
    "recommended_action": "Approve_with_Conditions",
    "conditions_for_approval": [
      "Verification of employment for the last 24 months.",
      "Proof of hazard insurance for the subject property."
    ]
  },
  "application_status": "Pending_Conditions",
  "underwriting_date": "2025-08-05"
}