<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-2010-92864
**Date of Review:** 2025-08-10

This report summarizes the comprehensive underwriting review for the application submitted by Austin Collins. The request is for a Personal Loan totaling $654,552.13. The specified purpose for the funds is: 'Feeling read food capital edge.'.

**Applicant Profile & Financials:**
The applicant, born 1977-01-21, currently resides at 269 Harrison Common Apt. 696, South Benjamin, NE 19132, where they have lived for 28 months. Identity was cross-verified using the provided SSN suffix (****-8434). All communications have been directed to ehansen@example.com.
The applicant's financial standing was evaluated based on submitted documentation. The reported annual income is $512,762.82. The primary credit bureau returned a score of 552. This results in a calculated debt-to-income (DTI) ratio of 24.00%. A review of liquid assets shows several accounts, including a Savings account at Mcgee-Williams with an average balance of $82,902.92 according to the statement dated 2025-06-26. 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 $2,040,330.23. The most recent appraisal was conducted on 2025-07-13. The title search confirms its status as Second_Lien.

**Risk Evaluation & Recommendation:**
Internal Memo: Applicant profile is generally positive, but the DTI of 0.24 is a moderate concern. Credit score of 552 is acceptable. Recommend approval subject to verification of liquid assets. This assessment yields a composite risk score of 75 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-2010-92864",
  "applicant_details": {
    "name": "Austin Collins",
    "date_of_birth": "1977-01-21",
    "ssn_last_4_digits": "8434",
    "contact_info": {
      "email": "ehansen@example.com",
      "phone_number": "+1-881-842-7459x973"
    },
    "residential_history": [
      {
        "address": "269 Harrison Common Apt. 696, South Benjamin, NE 19132",
        "duration_months": 28,
        "is_current": true
      },
      {
        "address": "99821 Mitchell Fords, Watsonville, OH 61634",
        "duration_months": 23,
        "is_current": false
      },
      {
        "address": "763 William Isle Suite 596, North Katherinehaven, MA 81066",
        "duration_months": 21,
        "is_current": false
      }
    ]
  },
  "loan_request": {
    "amount_requested": 654552.13,
    "loan_type": "Personal_Loan",
    "loan_purpose": "Feeling read food capital edge.",
    "collateral": [
      {
        "asset_type": "Commercial Real Estate",
        "estimated_value": 2040330.23,
        "lien_status": "Second_Lien",
        "appraisal_date": "2025-07-13"
      },
      {
        "asset_type": "Marketable Securities",
        "estimated_value": 4863135.29,
        "lien_status": "Second_Lien",
        "appraisal_date": "2025-07-30"
      }
    ]
  },
  "financial_summary": {
    "annual_income_usd": 512762.82,
    "debt_to_income_ratio": 0.24,
    "credit_score": 552,
    "bank_accounts": [
      {
        "bank_name": "Mcgee-Williams",
        "account_type": "Savings",
        "average_monthly_balance_usd": 82902.92,
        "last_statement_date": "2025-06-26"
      },
      {
        "bank_name": "Merritt, Yang and Brown",
        "account_type": "Money Market",
        "average_monthly_balance_usd": 18813.41,
        "last_statement_date": "2025-06-20"
      },
      {
        "bank_name": "Williams-Brown",
        "account_type": "Money Market",
        "average_monthly_balance_usd": 31818.09,
        "last_statement_date": "2025-07-07"
      },
      {
        "bank_name": "Crawford-Choi",
        "account_type": "Investment",
        "average_monthly_balance_usd": 31998.11,
        "last_statement_date": "2025-07-11"
      }
    ]
  },
  "risk_assessment": {
    "underwriter_notes": "Applicant profile is generally positive, but the DTI of 0.24 is a moderate concern. Credit score of 552 is acceptable. Recommend approval subject to verification of liquid assets.",
    "risk_score_out_of_100": 75,
    "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": "2025-08-10"
}