<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-1978-22012
**Date of Review:** 2025-08-09

This report summarizes the comprehensive underwriting review for the application submitted by Darren Walker. The request is for a Business Expansion Loan totaling $514,767.45. The specified purpose for the funds is: 'Air move the point hard tax security join.'.

**Applicant Profile & Financials:**
The applicant, born 1995-10-06, currently resides at 6336 Meadows Ports Apt. 171, West Jonathan, NY 95758, where they have lived for 65 months. Identity was cross-verified using the provided SSN suffix (****-5312). All communications have been directed to elizabeth53@example.org.
The applicant's financial standing was evaluated based on submitted documentation. The reported annual income is $799,443.57. The primary credit bureau returned a score of 850. This results in a calculated debt-to-income (DTI) ratio of 45.00%. A review of liquid assets shows several accounts, including a Checking account at Bradley, Gutierrez and Nunez with an average balance of $66,364.67 according to the statement dated 2025-06-30. 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 $4,930,091.73. The title search confirms its status as Unencumbered.

**Risk Evaluation & Recommendation:**
Internal Memo: Applicant has strong credit history (850) and stable employment. Collateral valuation is robust. Debt-to-income ratio (0.45) is well within acceptable limits. Low risk profile identified. This assessment yields a composite risk score of 86 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-1978-22012",
  "applicant_details": {
    "name": "Darren Walker",
    "date_of_birth": "1995-10-06",
    "ssn_last_4_digits": "5312",
    "contact_info": {
      "email": "elizabeth53@example.org",
      "phone_number": "001-852-283-3253x422"
    },
    "residential_history": [
      {
        "address": "6336 Meadows Ports Apt. 171, West Jonathan, NY 95758",
        "duration_months": 65,
        "is_current": true
      },
      {
        "address": "48923 Jody Gardens Apt. 828, Millerville, MO 33778",
        "duration_months": 72,
        "is_current": false
      },
      {
        "address": "12297 Jennifer Route, Lake Dianehaven, ND 89409",
        "duration_months": 56,
        "is_current": false
      }
    ]
  },
  "loan_request": {
    "amount_requested": 514767.45,
    "loan_type": "Business_Expansion_Loan",
    "loan_purpose": "Air move the point hard tax security join.",
    "collateral": [
      {
        "asset_type": "Commercial Real Estate",
        "estimated_value": 4930091.73,
        "lien_status": "Unencumbered"
      }
    ]
  },
  "financial_summary": {
    "annual_income_usd": 799443.57,
    "debt_to_income_ratio": 0.45,
    "credit_score": 850,
    "bank_accounts": [
      {
        "bank_name": "Bradley, Gutierrez and Nunez",
        "account_type": "Checking",
        "average_monthly_balance_usd": 66364.67,
        "last_statement_date": "2025-06-30"
      },
      {
        "bank_name": "Martinez-Cruz",
        "account_type": "Money Market",
        "average_monthly_balance_usd": 55723.37,
        "last_statement_date": "2025-07-10"
      },
      {
        "bank_name": "Mullen-Henry",
        "account_type": "Savings",
        "average_monthly_balance_usd": 64190.63,
        "last_statement_date": "2025-06-30"
      }
    ]
  },
  "risk_assessment": {
    "underwriter_notes": "Applicant has strong credit history (850) and stable employment. Collateral valuation is robust. Debt-to-income ratio (0.45) is well within acceptable limits. Low risk profile identified.",
    "risk_score_out_of_100": 86,
    "recommended_action": "Approve_with_Standard_Terms"
  },
  "application_status": "Approved",
  "underwriting_date": "2025-08-09"
}