<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-1991-57481
**Date of Review:** 2025-08-08

This report summarizes the comprehensive underwriting review for the application submitted by Rachel Lewis. The request is for a Business Expansion Loan totaling $822,463.60. The specified purpose for the funds is: 'Easy test add race low.'.

**Applicant Profile & Financials:**
The applicant, born 1967-08-24, currently resides at 8017 Graham Walk Suite 714, Thomasshire, RI 97120, where they have lived for 21 months. Identity was cross-verified using the provided SSN suffix (****-4126). All communications have been directed to ghenderson@example.net.
The applicant's financial standing was evaluated based on submitted documentation. The reported annual income is $963,625.57. The primary credit bureau returned a score of 748. This results in a calculated debt-to-income (DTI) ratio of 39.00%. A review of liquid assets shows several accounts, including a Savings account at Campbell Inc with an average balance of $56,536.00 according to the statement dated 2025-07-11. Market conditions have been stable, although we noted a slight dip in the index last Tuesday, which is considered immaterial to this assessment.

**Risk Evaluation & Recommendation:**
Internal Memo: Applicant has strong credit history (748) 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 82 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-1991-57481",
  "applicant_details": {
    "name": "Rachel Lewis",
    "date_of_birth": "1967-08-24",
    "ssn_last_4_digits": "4126",
    "contact_info": {
      "email": "ghenderson@example.net",
      "phone_number": "418.547.9194x9874"
    },
    "residential_history": [
      {
        "address": "8017 Graham Walk Suite 714, Thomasshire, RI 97120",
        "duration_months": 21,
        "is_current": true
      },
      {
        "address": "2519 Jennifer Burg, Michaelview, MD 23621",
        "duration_months": 53,
        "is_current": false
      }
    ]
  },
  "loan_request": {
    "amount_requested": 822463.6,
    "loan_type": "Business_Expansion_Loan",
    "loan_purpose": "Easy test add race low."
  },
  "financial_summary": {
    "annual_income_usd": 963625.57,
    "debt_to_income_ratio": 0.39,
    "credit_score": 748,
    "bank_accounts": [
      {
        "bank_name": "Campbell Inc",
        "account_type": "Savings",
        "average_monthly_balance_usd": 56536.0,
        "last_statement_date": "2025-07-11"
      },
      {
        "bank_name": "Jordan, Thomas and Price",
        "account_type": "Savings",
        "average_monthly_balance_usd": 22245.33,
        "last_statement_date": "2025-07-05"
      },
      {
        "bank_name": "Robertson Inc",
        "account_type": "Savings",
        "average_monthly_balance_usd": 78212.08,
        "last_statement_date": "2025-06-28"
      },
      {
        "bank_name": "Butler, Potter and Love",
        "account_type": "Investment",
        "average_monthly_balance_usd": 41318.79,
        "last_statement_date": "2025-06-14"
      }
    ]
  },
  "risk_assessment": {
    "underwriter_notes": "Applicant has strong credit history (748) 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": 82,
    "recommended_action": "Approve_with_Standard_Terms"
  },
  "application_status": "Approved",
  "underwriting_date": "2025-08-08"
}