<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-1997-58736
**Date of Review:** 2025-07-30

This report summarizes the comprehensive underwriting review for the application submitted by Chelsea Caldwell. The request is for a Personal Loan totaling $516,526.41. The specified purpose for the funds is: 'Hit take worker method tough prove.'.

**Applicant Profile & Financials:**
The applicant, born 1963-01-01, currently resides at 94766 Lyons Parkway Apt. 344, Haleyside, NY 85975, where they have lived for 40 months. Identity was cross-verified using the provided SSN suffix (****-3016). All communications have been directed to bonnie71@example.com.
The applicant's financial standing was evaluated based on submitted documentation. The reported annual income is $579,755.16. The primary credit bureau returned a score of 707. This results in a calculated debt-to-income (DTI) ratio of 37.00%. A review of liquid assets shows several accounts, including a Investment account at Choi, Owens and Kelly with an average balance of $58,663.16 according to the statement dated 2025-07-08. 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 Business Equipment with a reported value of $2,016,194.13. The title search confirms its status as First_Lien.

**Risk Evaluation & Recommendation:**
Internal Memo: Applicant profile is generally positive, but the DTI of 0.37 is a moderate concern. Credit score of 707 is acceptable. Recommend approval subject to verification of liquid assets. This assessment yields a composite risk score of 80 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. Verification of employment for the last 24 months.
</data>
{
  "loan_application_id": "LLA-1997-58736",
  "applicant_details": {
    "name": "Chelsea Caldwell",
    "date_of_birth": "1963-01-01",
    "ssn_last_4_digits": "3016",
    "contact_info": {
      "email": "bonnie71@example.com",
      "phone_number": "607.661.2780"
    },
    "residential_history": [
      {
        "address": "94766 Lyons Parkway Apt. 344, Haleyside, NY 85975",
        "duration_months": 40,
        "is_current": true
      },
      {
        "address": "PSC 7344, Box 4831, APO AE 63201",
        "duration_months": 47,
        "is_current": false
      }
    ]
  },
  "loan_request": {
    "amount_requested": 516526.41,
    "loan_type": "Personal_Loan",
    "loan_purpose": "Hit take worker method tough prove.",
    "collateral": [
      {
        "asset_type": "Business Equipment",
        "estimated_value": 2016194.13,
        "lien_status": "First_Lien"
      },
      {
        "asset_type": "Residential Property",
        "estimated_value": 3936589.81,
        "lien_status": "First_Lien"
      }
    ]
  },
  "financial_summary": {
    "annual_income_usd": 579755.16,
    "debt_to_income_ratio": 0.37,
    "credit_score": 707,
    "bank_accounts": [
      {
        "bank_name": "Choi, Owens and Kelly",
        "account_type": "Investment",
        "average_monthly_balance_usd": 58663.16,
        "last_statement_date": "2025-07-08"
      },
      {
        "bank_name": "Kelly, Krause and Clark",
        "account_type": "Checking",
        "average_monthly_balance_usd": 57156.75,
        "last_statement_date": "2025-07-04"
      }
    ]
  },
  "risk_assessment": {
    "underwriter_notes": "Applicant profile is generally positive, but the DTI of 0.37 is a moderate concern. Credit score of 707 is acceptable. Recommend approval subject to verification of liquid assets.",
    "risk_score_out_of_100": 80,
    "recommended_action": "Approve_with_Conditions",
    "conditions_for_approval": [
      "Verification of employment for the last 24 months."
    ]
  },
  "application_status": "Pending_Conditions",
  "underwriting_date": "2025-07-30"
}