<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-1995-23930
**Date of Review:** 2025-07-29

This report summarizes the comprehensive underwriting review for the application submitted by Joseph West. The request is for a Business Expansion Loan totaling $279,796.16. The specified purpose for the funds is: 'Improve half environmental data card painting miss realize.'.

**Applicant Profile & Financials:**
The applicant, born 1975-06-23, currently resides at 42625 Cody Prairie, Judyborough, ID 12308, where they have lived for 45 months. Identity was cross-verified using the provided SSN suffix (****-8953). All communications have been directed to carrie34@example.org.
The applicant's financial standing was evaluated based on submitted documentation. The reported annual income is $716,933.59. The primary credit bureau returned a score of 792. This results in a calculated debt-to-income (DTI) ratio of 23.00%. A review of liquid assets shows several accounts, including a Investment account at Shelton, Bernard and Carter with an average balance of $30,738.16 according to the statement dated 2025-06-29. Market conditions have been stable, although we noted a slight dip in the index last Tuesday, which is considered immaterial to this assessment.

**Risk Evaluation & Recommendation:**
Internal Memo: Applicant has strong credit history (792) and stable employment. Collateral valuation is robust. Debt-to-income ratio (0.23) is well within acceptable limits. Low risk profile identified. This assessment yields a composite risk score of 89 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-1995-23930",
  "applicant_details": {
    "name": "Joseph West",
    "date_of_birth": "1975-06-23",
    "ssn_last_4_digits": "8953",
    "contact_info": {
      "email": "carrie34@example.org",
      "phone_number": "(463)566-7337x32502"
    },
    "residential_history": [
      {
        "address": "42625 Cody Prairie, Judyborough, ID 12308",
        "duration_months": 45,
        "is_current": true
      },
      {
        "address": "45958 Bennett Creek Suite 632, Kathleenhaven, UT 33773",
        "duration_months": 57,
        "is_current": false
      },
      {
        "address": "088 Amanda Stream, Johnstonville, DC 20055",
        "duration_months": 44,
        "is_current": false
      }
    ]
  },
  "loan_request": {
    "amount_requested": 279796.16,
    "loan_type": "Business_Expansion_Loan",
    "loan_purpose": "Improve half environmental data card painting miss realize."
  },
  "financial_summary": {
    "annual_income_usd": 716933.59,
    "debt_to_income_ratio": 0.23,
    "credit_score": 792,
    "bank_accounts": [
      {
        "bank_name": "Shelton, Bernard and Carter",
        "account_type": "Investment",
        "average_monthly_balance_usd": 30738.16,
        "last_statement_date": "2025-06-29"
      },
      {
        "bank_name": "Knight, Spencer and Lee",
        "account_type": "Savings",
        "average_monthly_balance_usd": 26869.33,
        "last_statement_date": "2025-06-26"
      }
    ]
  },
  "risk_assessment": {
    "underwriter_notes": "Applicant has strong credit history (792) and stable employment. Collateral valuation is robust. Debt-to-income ratio (0.23) is well within acceptable limits. Low risk profile identified.",
    "risk_score_out_of_100": 89,
    "recommended_action": "Approve_with_Standard_Terms"
  },
  "application_status": "Approved",
  "underwriting_date": "2025-07-29"
}