> ## Documentation Index
> Fetch the complete documentation index at: https://docs.lerian.studio/llms.txt
> Use this file to discover all available pages before exploring further.

# Portfolio and delinquency

> Read the active loan book in aggregate — the portfolio dashboard and the delinquent-loan projection — over Lender's servicing data.

export const GAuditTrail = ({children}) => <Tooltip headline="Audit trail" tip="A chronological, immutable record of every action and transaction in the system — essential for regulatory compliance and dispute resolution." cta="See glossary" href="/en/glossary">
    {children}
  </Tooltip>;

export const GPortfolio = ({children}) => <Tooltip headline="Portfolio" tip="A grouping of accounts belonging to the same customer, business unit, or purpose — tying together checking, savings, and investment accounts for a unified view." cta="See glossary" href="/en/glossary">
    {children}
  </Tooltip>;

Servicing tracks each loan account individually. The portfolio surface reads the book **in aggregate**, so you can see the shape of the <GPortfolio>portfolio</GPortfolio> and which loans are falling behind without querying loan by loan.

## Portfolio dashboard

***

`GET /api/v1/dashboard/portfolio` returns a snapshot-backed view of the active book — the aggregate picture of what you have out and how it is performing.

## Delinquent loans

***

`GET /api/v1/dashboard/delinquent-loans` returns the delinquency projection: the loan accounts that are overdue, bucketed so you can prioritize collections and provisioning.

<Info>
  In the Brazilian profile, delinquency feeds **PDD staging** — the loan-loss provisioning stage a loan sits in. See the [Brazil regulatory pack](/en/lender/brazil-regulatory-pack).
</Info>

## Audit is per-account

***

Portfolio views are aggregate reads; the authoritative, immutable record of what happened to any single loan is its <GAuditTrail>audit trail</GAuditTrail> — `GET /api/v1/loan-accounts/{id}/audit-events`, covered in [Service a loan](/en/lender/service-a-loan). Every repayment, reversal, and replay lands there.

## Next steps

***

<Card title="Jurisdictions" icon="earth-americas" href="/en/lender/jurisdictions" horizontal>
  See how the active jurisdiction shapes disclosures and endpoints.
</Card>