<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-1995-63864
**Date of Review:** 2025-08-05

This report summarizes the comprehensive underwriting review for the application submitted by Anthony Johnston. The request is for a Business Expansion Loan totaling $492,393.21. The specified purpose for the funds is: 'Public customer early mouth message or.'.

**Applicant Profile & Financials:**
The applicant, born 1975-02-26, currently resides at 58280 Clark Common, East Craig, AR 40485, where they have lived for 20 months. Identity was cross-verified using the provided SSN suffix (****-0316). All communications have been directed to chrishicks@example.net.
The applicant's financial standing was evaluated based on submitted documentation. The reported annual income is $959,607.04. The primary credit bureau returned a score of 604. This results in a calculated debt-to-income (DTI) ratio of 50.00%. A review of liquid assets shows several accounts, including a Savings account at Davies Ltd with an average balance of $11,159.77 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 Residential Property with a reported value of $2,446,340.35. The title search confirms its status as Second_Lien.

**Risk Evaluation & Recommendation:**
Internal Memo: Applicant profile is generally positive, but the DTI of 0.5 is a moderate concern. Credit score of 604 is acceptable. Recommend approval subject to verification of liquid assets. This assessment yields a composite risk score of 70 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.
</data>
{
  "loan_application_id": "LLA-1995-63864",
  "applicant_details": {
    "name": "Anthony Johnston",
    "date_of_birth": "1975-02-26",
    "ssn_last_4_digits": "0316",
    "contact_info": {
      "email": "chrishicks@example.net",
      "phone_number": "001-374-471-7556x749"
    },
    "residential_history": [
      {
        "address": "58280 Clark Common, East Craig, AR 40485",
        "duration_months": 20,
        "is_current": true
      },
      {
        "address": "7809 Li Mountain, Jenniferland, CA 12683",
        "duration_months": 61,
        "is_current": false
      },
      {
        "address": "72805 Mathew Mission, New Dominic, WI 47860",
        "duration_months": 35,
        "is_current": false
      }
    ]
  },
  "loan_request": {
    "amount_requested": 492393.21,
    "loan_type": "Business_Expansion_Loan",
    "loan_purpose": "Public customer early mouth message or.",
    "collateral": [
      {
        "asset_type": "Residential Property",
        "estimated_value": 2446340.35,
        "lien_status": "Second_Lien"
      },
      {
        "asset_type": "Residential Property",
        "estimated_value": 8021701.38,
        "lien_status": "First_Lien",
        "appraisal_date": "2025-07-04"
      }
    ]
  },
  "financial_summary": {
    "annual_income_usd": 959607.04,
    "debt_to_income_ratio": 0.5,
    "credit_score": 604,
    "bank_accounts": [
      {
        "bank_name": "Davies Ltd",
        "account_type": "Savings",
        "average_monthly_balance_usd": 11159.77,
        "last_statement_date": "2025-07-07"
      },
      {
        "bank_name": "Bryan Ltd",
        "account_type": "Checking",
        "average_monthly_balance_usd": 18311.88,
        "last_statement_date": "2025-07-06"
      },
      {
        "bank_name": "Hanson Ltd",
        "account_type": "Money Market",
        "average_monthly_balance_usd": 41019.85,
        "last_statement_date": "2025-07-11"
      },
      {
        "bank_name": "Rice-Johnson",
        "account_type": "Investment",
        "average_monthly_balance_usd": 81034.43,
        "last_statement_date": "2025-07-12"
      }
    ]
  },
  "risk_assessment": {
    "underwriter_notes": "Applicant profile is generally positive, but the DTI of 0.5 is a moderate concern. Credit score of 604 is acceptable. Recommend approval subject to verification of liquid assets.",
    "risk_score_out_of_100": 70,
    "recommended_action": "Approve_with_Conditions",
    "conditions_for_approval": [
      "Receipt of updated bank statements showing sufficient closing funds."
    ]
  },
  "application_status": "Pending_Conditions",
  "underwriting_date": "2025-08-05"
}