<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-1999-88324
**Date of Review:** 2025-07-30

This report summarizes the comprehensive underwriting review for the application submitted by Andrea Tate. The request is for a Personal Loan totaling $560,299.86. The specified purpose for the funds is: 'Sound anyone indeed building affect thought each possible cause.'.

**Applicant Profile & Financials:**
The applicant, born 1994-12-31, currently resides at 15498 Mary Pine, North Briannahaven, KY 07116, where they have lived for 18 months. Identity was cross-verified using the provided SSN suffix (****-8132). All communications have been directed to christophersmith@example.com.
The applicant's financial standing was evaluated based on submitted documentation. The reported annual income is $347,779.75. The primary credit bureau returned a score of 781. This results in a calculated debt-to-income (DTI) ratio of 39.00%. A review of liquid assets shows several accounts, including a Investment account at West, Baker and Conley with an average balance of $45,655.42 according to the statement dated 2025-07-01. 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 Business Equipment with a reported value of $3,272,085.31. The title search confirms its status as First_Lien.

**Risk Evaluation & Recommendation:**
Internal Memo: Applicant has strong credit history (781) and stable employment. Collateral valuation is robust. Debt-to-income ratio (0.39) is well within acceptable limits. Low risk profile identified. This assessment yields a composite risk score of 84 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-1999-88324",
  "applicant_details": {
    "name": "Andrea Tate",
    "date_of_birth": "1994-12-31",
    "ssn_last_4_digits": "8132",
    "contact_info": {
      "email": "christophersmith@example.com",
      "phone_number": "296.778.3844"
    },
    "residential_history": [
      {
        "address": "15498 Mary Pine, North Briannahaven, KY 07116",
        "duration_months": 18,
        "is_current": true
      },
      {
        "address": "95764 Gonzales Ridges Suite 926, Parksstad, PR 85580",
        "duration_months": 37,
        "is_current": false
      }
    ]
  },
  "loan_request": {
    "amount_requested": 560299.86,
    "loan_type": "Personal_Loan",
    "loan_purpose": "Sound anyone indeed building affect thought each possible cause.",
    "collateral": [
      {
        "asset_type": "Business Equipment",
        "estimated_value": 3272085.31,
        "lien_status": "First_Lien"
      },
      {
        "asset_type": "Residential Property",
        "estimated_value": 7741569.73,
        "lien_status": "First_Lien"
      }
    ]
  },
  "financial_summary": {
    "annual_income_usd": 347779.75,
    "debt_to_income_ratio": 0.39,
    "credit_score": 781,
    "bank_accounts": [
      {
        "bank_name": "West, Baker and Conley",
        "account_type": "Investment",
        "average_monthly_balance_usd": 45655.42,
        "last_statement_date": "2025-07-01"
      },
      {
        "bank_name": "Pearson LLC",
        "account_type": "Checking",
        "average_monthly_balance_usd": 22034.33,
        "last_statement_date": "2025-07-04"
      },
      {
        "bank_name": "Manning LLC",
        "account_type": "Money Market",
        "average_monthly_balance_usd": 39558.01,
        "last_statement_date": "2025-06-18"
      },
      {
        "bank_name": "Brewer-Everett",
        "account_type": "Money Market",
        "average_monthly_balance_usd": 86735.62,
        "last_statement_date": "2025-06-21"
      }
    ]
  },
  "risk_assessment": {
    "underwriter_notes": "Applicant has strong credit history (781) and stable employment. Collateral valuation is robust. Debt-to-income ratio (0.39) is well within acceptable limits. Low risk profile identified.",
    "risk_score_out_of_100": 84,
    "recommended_action": "Approve_with_Standard_Terms"
  },
  "application_status": "Approved",
  "underwriting_date": "2025-07-30"
}