<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-2000-69143
**Date of Review:** 2025-08-06

This report summarizes the comprehensive underwriting review for the application submitted by James Daniels. The request is for a Business Expansion Loan totaling $658,453.59. No specific purpose was detailed in the application's optional section.

**Applicant Profile & Financials:**
The applicant, born 1973-12-07, currently resides at 253 Stacy Point, Brandyview, WI 39367, where they have lived for 60 months. Identity was cross-verified using the provided SSN suffix (****-9815). All communications have been directed to alexanderryan@example.org.
The applicant's financial standing was evaluated based on submitted documentation. The reported annual income is $460,565.20. The primary credit bureau returned a score of 722. This results in a calculated debt-to-income (DTI) ratio of 17.00%. A review of liquid assets shows several accounts, including a Money Market account at Lee, Carter and Jones with an average balance of $82,207.29 according to the statement dated 2025-06-22. 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 Residential Property with a reported value of $9,134,409.87. The title search confirms its status as First_Lien.

**Risk Evaluation & Recommendation:**
Internal Memo: Applicant has strong credit history (722) 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 87 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-2000-69143",
  "applicant_details": {
    "name": "James Daniels",
    "date_of_birth": "1973-12-07",
    "ssn_last_4_digits": "9815",
    "contact_info": {
      "email": "alexanderryan@example.org",
      "phone_number": "(640)346-2822x12127"
    },
    "residential_history": [
      {
        "address": "253 Stacy Point, Brandyview, WI 39367",
        "duration_months": 60,
        "is_current": true
      },
      {
        "address": "Unit 8150 Box 0823, DPO AP 27358",
        "duration_months": 35,
        "is_current": false
      }
    ]
  },
  "loan_request": {
    "amount_requested": 658453.59,
    "loan_type": "Business_Expansion_Loan",
    "collateral": [
      {
        "asset_type": "Residential Property",
        "estimated_value": 9134409.87,
        "lien_status": "First_Lien"
      }
    ]
  },
  "financial_summary": {
    "annual_income_usd": 460565.2,
    "debt_to_income_ratio": 0.17,
    "credit_score": 722,
    "bank_accounts": [
      {
        "bank_name": "Lee, Carter and Jones",
        "account_type": "Money Market",
        "average_monthly_balance_usd": 82207.29,
        "last_statement_date": "2025-06-22"
      },
      {
        "bank_name": "Hayes and Sons",
        "account_type": "Money Market",
        "average_monthly_balance_usd": 21812.46,
        "last_statement_date": "2025-07-08"
      },
      {
        "bank_name": "Horton-Figueroa",
        "account_type": "Savings",
        "average_monthly_balance_usd": 44578.08,
        "last_statement_date": "2025-06-22"
      },
      {
        "bank_name": "Tyler, Hood and Johnson",
        "account_type": "Savings",
        "average_monthly_balance_usd": 77748.58,
        "last_statement_date": "2025-07-11"
      }
    ]
  },
  "risk_assessment": {
    "underwriter_notes": "Applicant has strong credit history (722) 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": 87,
    "recommended_action": "Approve_with_Standard_Terms"
  },
  "application_status": "Approved",
  "underwriting_date": "2025-08-06"
}