<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-2009-78643
**Date of Review:** 2025-07-16

This report summarizes the comprehensive underwriting review for the application submitted by Bethany Smith. The request is for a Personal Loan totaling $900,610.23. The specified purpose for the funds is: 'Hundred staff night majority direction summer never why firm shake.'.

**Applicant Profile & Financials:**
The applicant, born 1960-11-24, currently resides at 882 Hernandez Path, New Jameston, MS 39390, where they have lived for 21 months. Identity was cross-verified using the provided SSN suffix (****-1323). All communications have been directed to jeffrey14@example.org.
The applicant's financial standing was evaluated based on submitted documentation. The reported annual income is $555,093.71. The primary credit bureau returned a score of 606. This results in a calculated debt-to-income (DTI) ratio of 42.00%. A review of liquid assets shows several accounts, including a Savings account at Rogers-Fox with an average balance of $16,363.02 according to the statement dated 2025-07-03. 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 $9,004,082.86. The most recent appraisal was conducted on 2025-07-15. The title search confirms its status as Second_Lien.

**Risk Evaluation & Recommendation:**
Internal Memo: Applicant profile is generally positive, but the DTI of 0.42 is a moderate concern. Credit score of 606 is acceptable. Recommend approval subject to verification of liquid assets. This assessment yields a composite risk score of 73 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. Proof of hazard insurance for the subject property.
</data>
{
  "loan_application_id": "LLA-2009-78643",
  "applicant_details": {
    "name": "Bethany Smith",
    "date_of_birth": "1960-11-24",
    "ssn_last_4_digits": "1323",
    "contact_info": {
      "email": "jeffrey14@example.org",
      "phone_number": "(456)974-6252x99331"
    },
    "residential_history": [
      {
        "address": "882 Hernandez Path, New Jameston, MS 39390",
        "duration_months": 21,
        "is_current": true
      },
      {
        "address": "821 Moyer Way, Mcdonaldmouth, KS 83199",
        "duration_months": 18,
        "is_current": false
      },
      {
        "address": "016 Robin Neck, East Ashley, MT 52641",
        "duration_months": 15,
        "is_current": false
      }
    ]
  },
  "loan_request": {
    "amount_requested": 900610.23,
    "loan_type": "Personal_Loan",
    "loan_purpose": "Hundred staff night majority direction summer never why firm shake.",
    "collateral": [
      {
        "asset_type": "Commercial Real Estate",
        "estimated_value": 9004082.86,
        "lien_status": "Second_Lien",
        "appraisal_date": "2025-07-15"
      }
    ]
  },
  "financial_summary": {
    "annual_income_usd": 555093.71,
    "debt_to_income_ratio": 0.42,
    "credit_score": 606,
    "bank_accounts": [
      {
        "bank_name": "Rogers-Fox",
        "account_type": "Savings",
        "average_monthly_balance_usd": 16363.02,
        "last_statement_date": "2025-07-03"
      },
      {
        "bank_name": "Higgins-Moore",
        "account_type": "Money Market",
        "average_monthly_balance_usd": 49800.26,
        "last_statement_date": "2025-06-19"
      },
      {
        "bank_name": "Ford-Cooper",
        "account_type": "Money Market",
        "average_monthly_balance_usd": 28743.85,
        "last_statement_date": "2025-07-03"
      },
      {
        "bank_name": "Murphy and Sons",
        "account_type": "Savings",
        "average_monthly_balance_usd": 58730.61,
        "last_statement_date": "2025-07-05"
      }
    ]
  },
  "risk_assessment": {
    "underwriter_notes": "Applicant profile is generally positive, but the DTI of 0.42 is a moderate concern. Credit score of 606 is acceptable. Recommend approval subject to verification of liquid assets.",
    "risk_score_out_of_100": 73,
    "recommended_action": "Approve_with_Conditions",
    "conditions_for_approval": [
      "Satisfactory final appraisal report.",
      "Proof of hazard insurance for the subject property."
    ]
  },
  "application_status": "Pending_Conditions",
  "underwriting_date": "2025-07-16"
}