<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-2019-93944
**Date of Review:** 2025-08-03

This report summarizes the comprehensive underwriting review for the application submitted by Jeremy Bartlett. The request is for a Personal Loan totaling $785,645.12. The specified purpose for the funds is: 'Data head itself current various thought.'.

**Applicant Profile & Financials:**
The applicant, born 1973-11-21, currently resides at 9910 Morris Mission, Melissafurt, HI 84174, where they have lived for 20 months. Identity was cross-verified using the provided SSN suffix (****-1799). All communications have been directed to wchung@example.com.
The applicant's financial standing was evaluated based on submitted documentation. The reported annual income is $915,847.91. The primary credit bureau returned a score of 576. This results in a calculated debt-to-income (DTI) ratio of 63.00%. A review of liquid assets shows several accounts, including a Money Market account at Gonzalez-Gordon with an average balance of $93,306.79 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 Marketable Securities with a reported value of $1,456,482.27. The most recent appraisal was conducted on 2025-08-02. The title search confirms its status as First_Lien.

**Risk Evaluation & Recommendation:**
Internal Memo: Applicant profile is generally positive, but the DTI of 0.63 is a moderate concern. Credit score of 576 is acceptable. Recommend approval subject to verification of liquid assets. This assessment yields a composite risk score of 64 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. Proof of hazard insurance for the subject property.
</data>
{
  "loan_application_id": "LLA-2019-93944",
  "applicant_details": {
    "name": "Jeremy Bartlett",
    "date_of_birth": "1973-11-21",
    "ssn_last_4_digits": "1799",
    "contact_info": {
      "email": "wchung@example.com",
      "phone_number": "001-839-839-7613x4880"
    },
    "residential_history": [
      {
        "address": "9910 Morris Mission, Melissafurt, HI 84174",
        "duration_months": 20,
        "is_current": true
      },
      {
        "address": "32345 Buchanan Expressway, West Eugene, PW 85755",
        "duration_months": 31,
        "is_current": false
      }
    ]
  },
  "loan_request": {
    "amount_requested": 785645.12,
    "loan_type": "Personal_Loan",
    "loan_purpose": "Data head itself current various thought.",
    "collateral": [
      {
        "asset_type": "Marketable Securities",
        "estimated_value": 1456482.27,
        "lien_status": "First_Lien",
        "appraisal_date": "2025-08-02"
      },
      {
        "asset_type": "Business Equipment",
        "estimated_value": 7758640.93,
        "lien_status": "First_Lien"
      }
    ]
  },
  "financial_summary": {
    "annual_income_usd": 915847.91,
    "debt_to_income_ratio": 0.63,
    "credit_score": 576,
    "bank_accounts": [
      {
        "bank_name": "Gonzalez-Gordon",
        "account_type": "Money Market",
        "average_monthly_balance_usd": 93306.79,
        "last_statement_date": "2025-07-03"
      },
      {
        "bank_name": "Whitaker Group",
        "account_type": "Money Market",
        "average_monthly_balance_usd": 93950.79,
        "last_statement_date": "2025-07-06"
      },
      {
        "bank_name": "Kaiser-Stewart",
        "account_type": "Checking",
        "average_monthly_balance_usd": 53487.83,
        "last_statement_date": "2025-06-18"
      }
    ]
  },
  "risk_assessment": {
    "underwriter_notes": "Applicant profile is generally positive, but the DTI of 0.63 is a moderate concern. Credit score of 576 is acceptable. Recommend approval subject to verification of liquid assets.",
    "risk_score_out_of_100": 64,
    "recommended_action": "Approve_with_Conditions",
    "conditions_for_approval": [
      "Proof of hazard insurance for the subject property."
    ]
  },
  "application_status": "Pending_Conditions",
  "underwriting_date": "2025-08-03"
}