<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-1995-80440
**Date of Review:** 2025-07-29

This report summarizes the comprehensive underwriting review for the application submitted by Kelly Fisher. The request is for a Personal Loan totaling $305,150.09. The specified purpose for the funds is: 'Trip road public check get pass knowledge throughout skin.'.

**Applicant Profile & Financials:**
The applicant, born 1979-04-25, currently resides at Unit 2569 Box 9800, DPO AP 13334, where they have lived for 21 months. Identity was cross-verified using the provided SSN suffix (****-1118). All communications have been directed to michael67@example.com.
The applicant's financial standing was evaluated based on submitted documentation. The reported annual income is $579,202.17. The primary credit bureau returned a score of 843. This results in a calculated debt-to-income (DTI) ratio of 24.00%. A review of liquid assets shows several accounts, including a Money Market account at Bass-Gonzalez with an average balance of $63,654.23 according to the statement dated 2025-07-07. 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 $1,069,933.70. The most recent appraisal was conducted on 2025-07-23. The title search confirms its status as First_Lien.

**Risk Evaluation & Recommendation:**
Internal Memo: Applicant has strong credit history (843) and stable employment. Collateral valuation is robust. Debt-to-income ratio (0.24) is well within acceptable limits. Low risk profile identified. This assessment yields a composite risk score of 92 out of 100.
**Final Decision:** Based on the factors outlined, the recommended action is **Approve with Standard Terms**. The system status for this application has been updated to 'Approved'.
**Stipulations for Funding:**
1. Standard audit and verification of all submitted documents prior to funding.
</data>
{
  "loan_application_id": "LLA-1995-80440",
  "applicant_details": {
    "name": "Kelly Fisher",
    "date_of_birth": "1979-04-25",
    "ssn_last_4_digits": "1118",
    "contact_info": {
      "email": "michael67@example.com",
      "phone_number": "(723)329-4387x884"
    },
    "residential_history": [
      {
        "address": "Unit 2569 Box 9800, DPO AP 13334",
        "duration_months": 21,
        "is_current": true
      },
      {
        "address": "143 Adam Overpass, New Natalie, ND 28948",
        "duration_months": 39,
        "is_current": false
      },
      {
        "address": "74676 Hannah Circle Suite 878, Lake Richardport, IN 20663",
        "duration_months": 12,
        "is_current": false
      }
    ]
  },
  "loan_request": {
    "amount_requested": 305150.09,
    "loan_type": "Personal_Loan",
    "loan_purpose": "Trip road public check get pass knowledge throughout skin.",
    "collateral": [
      {
        "asset_type": "Marketable Securities",
        "estimated_value": 1069933.7,
        "lien_status": "First_Lien",
        "appraisal_date": "2025-07-23"
      }
    ]
  },
  "financial_summary": {
    "annual_income_usd": 579202.17,
    "debt_to_income_ratio": 0.24,
    "credit_score": 843,
    "bank_accounts": [
      {
        "bank_name": "Bass-Gonzalez",
        "account_type": "Money Market",
        "average_monthly_balance_usd": 63654.23,
        "last_statement_date": "2025-07-07"
      },
      {
        "bank_name": "Burns-Rosales",
        "account_type": "Money Market",
        "average_monthly_balance_usd": 94346.36,
        "last_statement_date": "2025-07-01"
      }
    ]
  },
  "risk_assessment": {
    "underwriter_notes": "Applicant has strong credit history (843) and stable employment. Collateral valuation is robust. Debt-to-income ratio (0.24) is well within acceptable limits. Low risk profile identified.",
    "risk_score_out_of_100": 92,
    "recommended_action": "Approve_with_Standard_Terms",
    "conditions_for_approval": [
      "Standard audit and verification of all submitted documents prior to funding."
    ]
  },
  "application_status": "Approved",
  "underwriting_date": "2025-07-29"
}