<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-2024-66981
**Date of Review:** 2025-07-27

This report summarizes the comprehensive underwriting review for the application submitted by Ruben Wiggins. The request is for a Personal Loan totaling $372,911.67. The specified purpose for the funds is: 'Risk fight husband value fly agent agreement strategy.'.

**Applicant Profile & Financials:**
The applicant, born 1988-07-10, currently resides at 5200 Courtney Brook, Lake Brian, OH 72638, where they have lived for 71 months. Identity was cross-verified using the provided SSN suffix (****-4097). All communications have been directed to gordonsean@example.org.
The applicant's financial standing was evaluated based on submitted documentation. The reported annual income is $805,454.66. The primary credit bureau returned a score of 613. This results in a calculated debt-to-income (DTI) ratio of 48.00%. A review of liquid assets shows several accounts, including a Checking account at Mckee-Romero with an average balance of $42,287.58 according to the statement dated 2025-07-07. 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 $9,261,960.03. The most recent appraisal was conducted on 2025-07-12. The title search confirms its status as First_Lien.

**Risk Evaluation & Recommendation:**
Internal Memo: Applicant profile is generally positive, but the DTI of 0.48 is a moderate concern. Credit score of 613 is acceptable. Recommend approval subject to verification of liquid assets. This assessment yields a composite risk score of 71 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. Receipt of updated bank statements showing sufficient closing funds.
2. Proof of hazard insurance for the subject property.
3. Verification of employment for the last 24 months.
</data>
{
  "loan_application_id": "LLA-2024-66981",
  "applicant_details": {
    "name": "Ruben Wiggins",
    "date_of_birth": "1988-07-10",
    "ssn_last_4_digits": "4097",
    "contact_info": {
      "email": "gordonsean@example.org",
      "phone_number": "682.767.0337"
    },
    "residential_history": [
      {
        "address": "5200 Courtney Brook, Lake Brian, OH 72638",
        "duration_months": 71,
        "is_current": true
      },
      {
        "address": "866 Riley Port Suite 022, Allenport, TX 69875",
        "duration_months": 34,
        "is_current": false
      },
      {
        "address": "45360 Melissa Isle Suite 611, Stephenfort, OR 04981",
        "duration_months": 21,
        "is_current": false
      }
    ]
  },
  "loan_request": {
    "amount_requested": 372911.67,
    "loan_type": "Personal_Loan",
    "loan_purpose": "Risk fight husband value fly agent agreement strategy.",
    "collateral": [
      {
        "asset_type": "Marketable Securities",
        "estimated_value": 9261960.03,
        "lien_status": "First_Lien",
        "appraisal_date": "2025-07-12"
      }
    ]
  },
  "financial_summary": {
    "annual_income_usd": 805454.66,
    "debt_to_income_ratio": 0.48,
    "credit_score": 613,
    "bank_accounts": [
      {
        "bank_name": "Mckee-Romero",
        "account_type": "Checking",
        "average_monthly_balance_usd": 42287.58,
        "last_statement_date": "2025-07-07"
      },
      {
        "bank_name": "Clements and Sons",
        "account_type": "Money Market",
        "average_monthly_balance_usd": 66528.32,
        "last_statement_date": "2025-07-11"
      },
      {
        "bank_name": "Nelson, Wood and Burns",
        "account_type": "Savings",
        "average_monthly_balance_usd": 33313.95,
        "last_statement_date": "2025-07-12"
      }
    ]
  },
  "risk_assessment": {
    "underwriter_notes": "Applicant profile is generally positive, but the DTI of 0.48 is a moderate concern. Credit score of 613 is acceptable. Recommend approval subject to verification of liquid assets.",
    "risk_score_out_of_100": 71,
    "recommended_action": "Approve_with_Conditions",
    "conditions_for_approval": [
      "Receipt of updated bank statements showing sufficient closing funds.",
      "Proof of hazard insurance for the subject property.",
      "Verification of employment for the last 24 months."
    ]
  },
  "application_status": "Pending_Conditions",
  "underwriting_date": "2025-07-27"
}