<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-2022-93103
**Date of Review:** 2025-08-01

This report summarizes the comprehensive underwriting review for the application submitted by Nichole Rich. The request is for a Personal Loan totaling $383,689.17. The specified purpose for the funds is: 'Social manage your lay run glass city race among traditional rule.'.

**Applicant Profile & Financials:**
The applicant, born 1971-01-19, currently resides at 46636 Melissa Mountains Suite 172, New Samantha, OH 11757, where they have lived for 29 months. Identity was cross-verified using the provided SSN suffix (****-1997). All communications have been directed to hyoung@example.net.
The applicant's financial standing was evaluated based on submitted documentation. The reported annual income is $431,839.71. The primary credit bureau returned a score of 634. This results in a calculated debt-to-income (DTI) ratio of 64.00%. A review of liquid assets shows several accounts, including a Savings account at Thornton PLC with an average balance of $50,330.52 according to the statement dated 2025-07-08. 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 $7,551,610.89. The most recent appraisal was conducted on 2025-06-12. The title search confirms its status as First_Lien.

**Risk Evaluation & Recommendation:**
Internal Memo: Applicant profile is generally positive, but the DTI of 0.64 is a moderate concern. Credit score of 634 is acceptable. Recommend approval subject to verification of liquid assets. This assessment yields a composite risk score of 68 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.
2. Verification of employment for the last 24 months.
</data>
{
  "loan_application_id": "LLA-2022-93103",
  "applicant_details": {
    "name": "Nichole Rich",
    "date_of_birth": "1971-01-19",
    "ssn_last_4_digits": "1997",
    "contact_info": {
      "email": "hyoung@example.net",
      "phone_number": "001-690-553-1625x514"
    },
    "residential_history": [
      {
        "address": "46636 Melissa Mountains Suite 172, New Samantha, OH 11757",
        "duration_months": 29,
        "is_current": true
      },
      {
        "address": "76124 Pittman Streets, Littlestad, GA 91365",
        "duration_months": 16,
        "is_current": false
      },
      {
        "address": "516 Irwin Cove Suite 396, Lake Kevinview, NC 75630",
        "duration_months": 54,
        "is_current": false
      }
    ]
  },
  "loan_request": {
    "amount_requested": 383689.17,
    "loan_type": "Personal_Loan",
    "loan_purpose": "Social manage your lay run glass city race among traditional rule.",
    "collateral": [
      {
        "asset_type": "Residential Property",
        "estimated_value": 7551610.89,
        "lien_status": "First_Lien",
        "appraisal_date": "2025-06-12"
      },
      {
        "asset_type": "Marketable Securities",
        "estimated_value": 4477646.41,
        "lien_status": "First_Lien",
        "appraisal_date": "2025-06-05"
      }
    ]
  },
  "financial_summary": {
    "annual_income_usd": 431839.71,
    "debt_to_income_ratio": 0.64,
    "credit_score": 634,
    "bank_accounts": [
      {
        "bank_name": "Thornton PLC",
        "account_type": "Savings",
        "average_monthly_balance_usd": 50330.52,
        "last_statement_date": "2025-07-08"
      },
      {
        "bank_name": "Jones-Alexander",
        "account_type": "Checking",
        "average_monthly_balance_usd": 88191.36,
        "last_statement_date": "2025-07-04"
      },
      {
        "bank_name": "Ward-Williams",
        "account_type": "Investment",
        "average_monthly_balance_usd": 29949.55,
        "last_statement_date": "2025-06-27"
      },
      {
        "bank_name": "Weiss, Sparks and Walsh",
        "account_type": "Checking",
        "average_monthly_balance_usd": 61812.4,
        "last_statement_date": "2025-07-08"
      }
    ]
  },
  "risk_assessment": {
    "underwriter_notes": "Applicant profile is generally positive, but the DTI of 0.64 is a moderate concern. Credit score of 634 is acceptable. Recommend approval subject to verification of liquid assets.",
    "risk_score_out_of_100": 68,
    "recommended_action": "Approve_with_Conditions",
    "conditions_for_approval": [
      "Satisfactory final appraisal report.",
      "Verification of employment for the last 24 months."
    ]
  },
  "application_status": "Pending_Conditions",
  "underwriting_date": "2025-08-01"
}