<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-1999-38872
**Date of Review:** 2025-07-21

This report summarizes the comprehensive underwriting review for the application submitted by Amy Hunt. The request is for a Personal Loan totaling $746,498.56. The specified purpose for the funds is: 'Line ahead back argue want.'.

**Applicant Profile & Financials:**
The applicant, born 1960-02-27, currently resides at 745 Chelsea Radial Suite 076, Bryanmouth, IA 59275, where they have lived for 21 months. Identity was cross-verified using the provided SSN suffix (****-0079). All communications have been directed to seth91@example.org.
The applicant's financial standing was evaluated based on submitted documentation. The reported annual income is $611,084.17. The primary credit bureau returned a score of 830. This results in a calculated debt-to-income (DTI) ratio of 46.00%. A review of liquid assets shows several accounts, including a Checking account at Sanders-Melendez with an average balance of $15,423.77 according to the statement dated 2025-06-21. 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 Business Equipment with a reported value of $5,104,014.45. The most recent appraisal was conducted on 2025-07-26. The title search confirms its status as Unencumbered.

**Risk Evaluation & Recommendation:**
Internal Memo: Applicant has strong credit history (830) and stable employment. Collateral valuation is robust. Debt-to-income ratio (0.46) is well within acceptable limits. Low risk profile identified. This assessment yields a composite risk score of 85 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'.
</data>
{
  "loan_application_id": "LLA-1999-38872",
  "applicant_details": {
    "name": "Amy Hunt",
    "date_of_birth": "1960-02-27",
    "ssn_last_4_digits": "0079",
    "contact_info": {
      "email": "seth91@example.org",
      "phone_number": "+1-214-488-7517x023"
    },
    "residential_history": [
      {
        "address": "745 Chelsea Radial Suite 076, Bryanmouth, IA 59275",
        "duration_months": 21,
        "is_current": true
      },
      {
        "address": "413 Kennedy Plain Apt. 915, Lake Jordan, DC 69769",
        "duration_months": 55,
        "is_current": false
      },
      {
        "address": "952 Peter Avenue, New Laura, RI 96425",
        "duration_months": 49,
        "is_current": false
      }
    ]
  },
  "loan_request": {
    "amount_requested": 746498.56,
    "loan_type": "Personal_Loan",
    "loan_purpose": "Line ahead back argue want.",
    "collateral": [
      {
        "asset_type": "Business Equipment",
        "estimated_value": 5104014.45,
        "lien_status": "Unencumbered",
        "appraisal_date": "2025-07-26"
      }
    ]
  },
  "financial_summary": {
    "annual_income_usd": 611084.17,
    "debt_to_income_ratio": 0.46,
    "credit_score": 830,
    "bank_accounts": [
      {
        "bank_name": "Sanders-Melendez",
        "account_type": "Checking",
        "average_monthly_balance_usd": 15423.77,
        "last_statement_date": "2025-06-21"
      },
      {
        "bank_name": "Gordon PLC",
        "account_type": "Investment",
        "average_monthly_balance_usd": 31330.98,
        "last_statement_date": "2025-06-30"
      },
      {
        "bank_name": "Deleon, Martinez and Blair",
        "account_type": "Savings",
        "average_monthly_balance_usd": 11327.02,
        "last_statement_date": "2025-07-12"
      },
      {
        "bank_name": "Brown, Hubbard and Walker",
        "account_type": "Money Market",
        "average_monthly_balance_usd": 63339.63,
        "last_statement_date": "2025-06-27"
      }
    ]
  },
  "risk_assessment": {
    "underwriter_notes": "Applicant has strong credit history (830) and stable employment. Collateral valuation is robust. Debt-to-income ratio (0.46) is well within acceptable limits. Low risk profile identified.",
    "risk_score_out_of_100": 85,
    "recommended_action": "Approve_with_Standard_Terms"
  },
  "application_status": "Approved",
  "underwriting_date": "2025-07-21"
}