<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-1972-96605
**Date of Review:** 2025-07-31

This report summarizes the comprehensive underwriting review for the application submitted by Alyssa Thomas. The request is for a Personal Loan totaling $860,164.20. The specified purpose for the funds is: 'Ahead price decade consider begin rather visit outside.'.

**Applicant Profile & Financials:**
The applicant, born 1989-07-17, currently resides at 2965 Brittany Roads, South Steven, PW 28684, where they have lived for 29 months. Identity was cross-verified using the provided SSN suffix (****-6020). All communications have been directed to marshalljames@example.net.
The applicant's financial standing was evaluated based on submitted documentation. The reported annual income is $759,027.29. The primary credit bureau returned a score of 779. This results in a calculated debt-to-income (DTI) ratio of 54.00%. A review of liquid assets shows several accounts, including a Checking account at Palmer, Anderson and Travis with an average balance of $79,242.33 according to the statement dated 2025-06-28. 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 $4,572,047.75. The most recent appraisal was conducted on 2025-06-04. The title search confirms its status as Second_Lien.

**Risk Evaluation & Recommendation:**
Internal Memo: Applicant profile is generally positive, but the DTI of 0.54 is a moderate concern. Credit score of 779 is acceptable. Recommend approval subject to verification of liquid assets. This assessment yields a composite risk score of 79 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. Satisfactory final appraisal report.
</data>
{
  "loan_application_id": "LLA-1972-96605",
  "applicant_details": {
    "name": "Alyssa Thomas",
    "date_of_birth": "1989-07-17",
    "ssn_last_4_digits": "6020",
    "contact_info": {
      "email": "marshalljames@example.net",
      "phone_number": "342.770.1336x95209"
    },
    "residential_history": [
      {
        "address": "2965 Brittany Roads, South Steven, PW 28684",
        "duration_months": 29,
        "is_current": true
      },
      {
        "address": "775 Angelica Mountain Apt. 632, Rebekahchester, MS 13723",
        "duration_months": 27,
        "is_current": false
      },
      {
        "address": "178 Ray Trace Suite 207, East Wayneton, VT 49949",
        "duration_months": 40,
        "is_current": false
      }
    ]
  },
  "loan_request": {
    "amount_requested": 860164.2,
    "loan_type": "Personal_Loan",
    "loan_purpose": "Ahead price decade consider begin rather visit outside.",
    "collateral": [
      {
        "asset_type": "Commercial Real Estate",
        "estimated_value": 4572047.75,
        "lien_status": "Second_Lien",
        "appraisal_date": "2025-06-04"
      },
      {
        "asset_type": "Residential Property",
        "estimated_value": 4750614.02,
        "lien_status": "Unencumbered"
      }
    ]
  },
  "financial_summary": {
    "annual_income_usd": 759027.29,
    "debt_to_income_ratio": 0.54,
    "credit_score": 779,
    "bank_accounts": [
      {
        "bank_name": "Palmer, Anderson and Travis",
        "account_type": "Checking",
        "average_monthly_balance_usd": 79242.33,
        "last_statement_date": "2025-06-28"
      },
      {
        "bank_name": "Nelson, Holland and Davis",
        "account_type": "Money Market",
        "average_monthly_balance_usd": 32834.36,
        "last_statement_date": "2025-07-03"
      },
      {
        "bank_name": "Callahan LLC",
        "account_type": "Checking",
        "average_monthly_balance_usd": 61027.87,
        "last_statement_date": "2025-07-12"
      },
      {
        "bank_name": "Buck Group",
        "account_type": "Checking",
        "average_monthly_balance_usd": 18597.42,
        "last_statement_date": "2025-06-20"
      }
    ]
  },
  "risk_assessment": {
    "underwriter_notes": "Applicant profile is generally positive, but the DTI of 0.54 is a moderate concern. Credit score of 779 is acceptable. Recommend approval subject to verification of liquid assets.",
    "risk_score_out_of_100": 79,
    "recommended_action": "Approve_with_Conditions",
    "conditions_for_approval": [
      "Satisfactory final appraisal report."
    ]
  },
  "application_status": "Pending_Conditions",
  "underwriting_date": "2025-07-31"
}