<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-1983-82242
**Date of Review:** 2025-08-06

This report summarizes the comprehensive underwriting review for the application submitted by Angela Pittman. The request is for a Personal Loan totaling $865,736.84. No specific purpose was detailed in the application's optional section.

**Applicant Profile & Financials:**
The applicant, born 1978-07-04, currently resides at 7840 Garcia Path Suite 014, North Ricardoside, WA 23315, where they have lived for 69 months. Identity was cross-verified using the provided SSN suffix (****-8081). All communications have been directed to natashagross@example.net.
The applicant's financial standing was evaluated based on submitted documentation. The reported annual income is $647,162.95. The primary credit bureau returned a score of 844. This results in a calculated debt-to-income (DTI) ratio of 17.00%. A review of liquid assets shows several accounts, including a Checking account at Allen, Hamilton and Kline with an average balance of $77,656.79 according to the statement dated 2025-07-10. 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 Marketable Securities with a reported value of $1,138,434.95. The most recent appraisal was conducted on 2025-08-02. The title search confirms its status as Unencumbered.

**Risk Evaluation & Recommendation:**
Internal Memo: Applicant has strong credit history (844) and stable employment. Collateral valuation is robust. Debt-to-income ratio (0.17) is well within acceptable limits. Low risk profile identified. This assessment yields a composite risk score of 94 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-1983-82242",
  "applicant_details": {
    "name": "Angela Pittman",
    "date_of_birth": "1978-07-04",
    "ssn_last_4_digits": "8081",
    "contact_info": {
      "email": "natashagross@example.net",
      "phone_number": "289-803-8467x568"
    },
    "residential_history": [
      {
        "address": "7840 Garcia Path Suite 014, North Ricardoside, WA 23315",
        "duration_months": 69,
        "is_current": true
      },
      {
        "address": "466 Jasmin Crossing Suite 225, North Jillton, NC 27244",
        "duration_months": 16,
        "is_current": false
      },
      {
        "address": "09918 Newman Trail, Port Nathanstad, SD 13701",
        "duration_months": 25,
        "is_current": false
      }
    ]
  },
  "loan_request": {
    "amount_requested": 865736.84,
    "loan_type": "Personal_Loan",
    "collateral": [
      {
        "asset_type": "Marketable Securities",
        "estimated_value": 1138434.95,
        "lien_status": "Unencumbered",
        "appraisal_date": "2025-08-02"
      },
      {
        "asset_type": "Marketable Securities",
        "estimated_value": 2289861.8,
        "lien_status": "Unencumbered",
        "appraisal_date": "2025-06-10"
      }
    ]
  },
  "financial_summary": {
    "annual_income_usd": 647162.95,
    "debt_to_income_ratio": 0.17,
    "credit_score": 844,
    "bank_accounts": [
      {
        "bank_name": "Allen, Hamilton and Kline",
        "account_type": "Checking",
        "average_monthly_balance_usd": 77656.79,
        "last_statement_date": "2025-07-10"
      },
      {
        "bank_name": "Simmons-Pham",
        "account_type": "Savings",
        "average_monthly_balance_usd": 45083.21,
        "last_statement_date": "2025-06-25"
      },
      {
        "bank_name": "Carrillo Ltd",
        "account_type": "Investment",
        "average_monthly_balance_usd": 62609.23,
        "last_statement_date": "2025-06-19"
      },
      {
        "bank_name": "Gibbs-Davis",
        "account_type": "Money Market",
        "average_monthly_balance_usd": 26431.4,
        "last_statement_date": "2025-06-21"
      }
    ]
  },
  "risk_assessment": {
    "underwriter_notes": "Applicant has strong credit history (844) and stable employment. Collateral valuation is robust. Debt-to-income ratio (0.17) is well within acceptable limits. Low risk profile identified.",
    "risk_score_out_of_100": 94,
    "recommended_action": "Approve_with_Standard_Terms"
  },
  "application_status": "Approved",
  "underwriting_date": "2025-08-06"
}