<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-2024-75080
**Date of Review:** 2025-08-09

This report summarizes the comprehensive underwriting review for the application submitted by Tara Sheppard. The request is for a Personal Loan totaling $171,860.75. The specified purpose for the funds is: 'System none event contain watch whom claim.'.

**Applicant Profile & Financials:**
The applicant, born 1997-06-25, currently resides at 976 Perez Spring Apt. 048, South Tammyside, OH 82985, where they have lived for 28 months. Identity was cross-verified using the provided SSN suffix (****-7311). All communications have been directed to charlesbradley@example.net.
The applicant's financial standing was evaluated based on submitted documentation. The reported annual income is $336,106.37. The primary credit bureau returned a score of 699. This results in a calculated debt-to-income (DTI) ratio of 33.00%. A review of liquid assets shows several accounts, including a Investment account at Herrera-Smith with an average balance of $29,053.16 according to the statement dated 2025-07-01. 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 $1,170,060.80. The most recent appraisal was conducted on 2025-06-16. The title search confirms its status as First_Lien.

**Risk Evaluation & Recommendation:**
Internal Memo: Applicant has strong credit history (699) and stable employment. Collateral valuation is robust. Debt-to-income ratio (0.33) is well within acceptable limits. Low risk profile identified. This assessment yields a composite risk score of 81 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-2024-75080",
  "applicant_details": {
    "name": "Tara Sheppard",
    "date_of_birth": "1997-06-25",
    "ssn_last_4_digits": "7311",
    "contact_info": {
      "email": "charlesbradley@example.net",
      "phone_number": "001-565-716-8731x73764"
    },
    "residential_history": [
      {
        "address": "976 Perez Spring Apt. 048, South Tammyside, OH 82985",
        "duration_months": 28,
        "is_current": true
      },
      {
        "address": "829 Mckay Walk Apt. 771, Lovemouth, MO 83068",
        "duration_months": 68,
        "is_current": false
      },
      {
        "address": "374 Martin Flats Suite 627, North Taraville, WA 54308",
        "duration_months": 61,
        "is_current": false
      }
    ]
  },
  "loan_request": {
    "amount_requested": 171860.75,
    "loan_type": "Personal_Loan",
    "loan_purpose": "System none event contain watch whom claim.",
    "collateral": [
      {
        "asset_type": "Residential Property",
        "estimated_value": 1170060.8,
        "lien_status": "First_Lien",
        "appraisal_date": "2025-06-16"
      }
    ]
  },
  "financial_summary": {
    "annual_income_usd": 336106.37,
    "debt_to_income_ratio": 0.33,
    "credit_score": 699,
    "bank_accounts": [
      {
        "bank_name": "Herrera-Smith",
        "account_type": "Investment",
        "average_monthly_balance_usd": 29053.16,
        "last_statement_date": "2025-07-01"
      },
      {
        "bank_name": "Little LLC",
        "account_type": "Money Market",
        "average_monthly_balance_usd": 36982.65,
        "last_statement_date": "2025-06-17"
      },
      {
        "bank_name": "Nelson LLC",
        "account_type": "Money Market",
        "average_monthly_balance_usd": 90740.37,
        "last_statement_date": "2025-06-17"
      },
      {
        "bank_name": "Lee-Nolan",
        "account_type": "Investment",
        "average_monthly_balance_usd": 78644.53,
        "last_statement_date": "2025-07-08"
      }
    ]
  },
  "risk_assessment": {
    "underwriter_notes": "Applicant has strong credit history (699) and stable employment. Collateral valuation is robust. Debt-to-income ratio (0.33) is well within acceptable limits. Low risk profile identified.",
    "risk_score_out_of_100": 81,
    "recommended_action": "Approve_with_Standard_Terms"
  },
  "application_status": "Approved",
  "underwriting_date": "2025-08-09"
}