<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-2004-13083
**Date of Review:** 2025-07-18

This report summarizes the comprehensive underwriting review for the application submitted by Shane Johnson. The request is for a Personal Loan totaling $535,626.99. The specified purpose for the funds is: 'Note debate court hard range box light.'.

**Applicant Profile & Financials:**
The applicant, born 1957-05-07, currently resides at 16660 Harris Park Apt. 279, Thorntonmouth, VI 82192, where they have lived for 56 months. Identity was cross-verified using the provided SSN suffix (****-2713). All communications have been directed to solisbrian@example.com.
The applicant's financial standing was evaluated based on submitted documentation. The reported annual income is $843,204.79. The primary credit bureau returned a score of 800. This results in a calculated debt-to-income (DTI) ratio of 27.00%. A review of liquid assets shows several accounts, including a Money Market account at Cooper, Payne and Schroeder with an average balance of $19,257.43 according to the statement dated 2025-07-12. 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 $4,725,588.81. The most recent appraisal was conducted on 2025-06-17. The title search confirms its status as First_Lien.

**Risk Evaluation & Recommendation:**
Internal Memo: Applicant has strong credit history (800) and stable employment. Collateral valuation is robust. Debt-to-income ratio (0.27) is well within acceptable limits. Low risk profile identified. This assessment yields a composite risk score of 88 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'.
**Stipulations for Funding:**
1. Standard audit and verification of all submitted documents prior to funding.
</data>
{
  "loan_application_id": "LLA-2004-13083",
  "applicant_details": {
    "name": "Shane Johnson",
    "date_of_birth": "1957-05-07",
    "ssn_last_4_digits": "2713",
    "contact_info": {
      "email": "solisbrian@example.com",
      "phone_number": "460.280.9457x0263"
    },
    "residential_history": [
      {
        "address": "16660 Harris Park Apt. 279, Thorntonmouth, VI 82192",
        "duration_months": 56,
        "is_current": true
      },
      {
        "address": "1569 Brooke Pines, Lake Carla, WV 04194",
        "duration_months": 42,
        "is_current": false
      },
      {
        "address": "27212 Lopez Fields, West Larrybury, WV 71935",
        "duration_months": 70,
        "is_current": false
      }
    ]
  },
  "loan_request": {
    "amount_requested": 535626.99,
    "loan_type": "Personal_Loan",
    "loan_purpose": "Note debate court hard range box light.",
    "collateral": [
      {
        "asset_type": "Business Equipment",
        "estimated_value": 4725588.81,
        "lien_status": "First_Lien",
        "appraisal_date": "2025-06-17"
      }
    ]
  },
  "financial_summary": {
    "annual_income_usd": 843204.79,
    "debt_to_income_ratio": 0.27,
    "credit_score": 800,
    "bank_accounts": [
      {
        "bank_name": "Cooper, Payne and Schroeder",
        "account_type": "Money Market",
        "average_monthly_balance_usd": 19257.43,
        "last_statement_date": "2025-07-12"
      },
      {
        "bank_name": "Schneider-Douglas",
        "account_type": "Investment",
        "average_monthly_balance_usd": 92662.87,
        "last_statement_date": "2025-07-13"
      },
      {
        "bank_name": "Cole, Williams and Sanchez",
        "account_type": "Investment",
        "average_monthly_balance_usd": 23361.12,
        "last_statement_date": "2025-07-02"
      },
      {
        "bank_name": "Ponce, Smith and Turner",
        "account_type": "Investment",
        "average_monthly_balance_usd": 58485.42,
        "last_statement_date": "2025-07-05"
      }
    ]
  },
  "risk_assessment": {
    "underwriter_notes": "Applicant has strong credit history (800) and stable employment. Collateral valuation is robust. Debt-to-income ratio (0.27) is well within acceptable limits. Low risk profile identified.",
    "risk_score_out_of_100": 88,
    "recommended_action": "Approve_with_Standard_Terms",
    "conditions_for_approval": [
      "Standard audit and verification of all submitted documents prior to funding."
    ]
  },
  "application_status": "Approved",
  "underwriting_date": "2025-07-18"
}