<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-1999-26784
**Date of Review:** 2025-07-29

This report summarizes the comprehensive underwriting review for the application submitted by Victoria Rojas. The request is for a Business Expansion Loan totaling $746,063.15. The specified purpose for the funds is: 'Million natural national number necessary consider color.'.

**Applicant Profile & Financials:**
The applicant, born 1980-05-13, currently resides at 85172 Ashley Ports, Angelaton, WA 87303, where they have lived for 68 months. Identity was cross-verified using the provided SSN suffix (****-6473). All communications have been directed to andreagordon@example.net.
The applicant's financial standing was evaluated based on submitted documentation. The reported annual income is $544,698.68. The primary credit bureau returned a score of 685. This results in a calculated debt-to-income (DTI) ratio of 22.00%. A review of liquid assets shows several accounts, including a Investment account at Nelson-Sullivan with an average balance of $98,280.81 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 Marketable Securities with a reported value of $9,453,707.99. The most recent appraisal was conducted on 2025-07-28. The title search confirms its status as Second_Lien.

**Risk Evaluation & Recommendation:**
Internal Memo: Applicant has strong credit history (685) and stable employment. Collateral valuation is robust. Debt-to-income ratio (0.22) is well within acceptable limits. Low risk profile identified. This assessment yields a composite risk score of 83 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-1999-26784",
  "applicant_details": {
    "name": "Victoria Rojas",
    "date_of_birth": "1980-05-13",
    "ssn_last_4_digits": "6473",
    "contact_info": {
      "email": "andreagordon@example.net",
      "phone_number": "740-611-5347x9069"
    },
    "residential_history": [
      {
        "address": "85172 Ashley Ports, Angelaton, WA 87303",
        "duration_months": 68,
        "is_current": true
      },
      {
        "address": "686 Jesse Shoals, New Williamberg, MH 64361",
        "duration_months": 34,
        "is_current": false
      }
    ]
  },
  "loan_request": {
    "amount_requested": 746063.15,
    "loan_type": "Business_Expansion_Loan",
    "loan_purpose": "Million natural national number necessary consider color.",
    "collateral": [
      {
        "asset_type": "Marketable Securities",
        "estimated_value": 9453707.99,
        "lien_status": "Second_Lien",
        "appraisal_date": "2025-07-28"
      }
    ]
  },
  "financial_summary": {
    "annual_income_usd": 544698.68,
    "debt_to_income_ratio": 0.22,
    "credit_score": 685,
    "bank_accounts": [
      {
        "bank_name": "Nelson-Sullivan",
        "account_type": "Investment",
        "average_monthly_balance_usd": 98280.81,
        "last_statement_date": "2025-06-21"
      },
      {
        "bank_name": "Stone Ltd",
        "account_type": "Checking",
        "average_monthly_balance_usd": 74370.61,
        "last_statement_date": "2025-06-27"
      },
      {
        "bank_name": "Harris Ltd",
        "account_type": "Investment",
        "average_monthly_balance_usd": 69896.75,
        "last_statement_date": "2025-06-17"
      },
      {
        "bank_name": "Beasley PLC",
        "account_type": "Checking",
        "average_monthly_balance_usd": 64464.18,
        "last_statement_date": "2025-06-24"
      }
    ]
  },
  "risk_assessment": {
    "underwriter_notes": "Applicant has strong credit history (685) and stable employment. Collateral valuation is robust. Debt-to-income ratio (0.22) is well within acceptable limits. Low risk profile identified.",
    "risk_score_out_of_100": 83,
    "recommended_action": "Approve_with_Standard_Terms"
  },
  "application_status": "Approved",
  "underwriting_date": "2025-07-29"
}