Declare a qualitative problem-asset assessment

curl --request POST \
  --url https://lender.sandbox.lerian.net/api/v1/br/loan-accounts/{id}/problem-asset-assessments \
  --header 'Authorization: Bearer <token>' \
  --header 'Content-Type: application/json' \
  --header 'X-Idempotency: <x-idempotency>' \
  --data '
{
  "characterizesProblemAsset": true,
  "evaluatedOn": "2026-09-30",
  "evidenceReference": "proc-0801234-56.2026.8.26.0100",
  "source": "Comite de credito 2026-09-30",
  "trigger": "art_3_p2_iii",
  "declaredBy": "<string>",
  "evidenceNotes": "<string>"
}
'

package main

import (
	"fmt"
	"strings"
	"net/http"
	"io"
)

func main() {

	url := "https://lender.sandbox.lerian.net/api/v1/br/loan-accounts/{id}/problem-asset-assessments"

	payload := strings.NewReader("{\n  \"characterizesProblemAsset\": true,\n  \"evaluatedOn\": \"2026-09-30\",\n  \"evidenceReference\": \"proc-0801234-56.2026.8.26.0100\",\n  \"source\": \"Comite de credito 2026-09-30\",\n  \"trigger\": \"art_3_p2_iii\",\n  \"declaredBy\": \"<string>\",\n  \"evidenceNotes\": \"<string>\"\n}")

	req, _ := http.NewRequest("POST", url, payload)

	req.Header.Add("X-Idempotency", "<x-idempotency>")
	req.Header.Add("Authorization", "Bearer <token>")
	req.Header.Add("Content-Type", "application/json")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(string(body))

}

const options = {
  method: 'POST',
  headers: {
    'X-Idempotency': '<x-idempotency>',
    Authorization: 'Bearer <token>',
    'Content-Type': 'application/json'
  },
  body: JSON.stringify({
    characterizesProblemAsset: true,
    evaluatedOn: '2026-09-30',
    evidenceReference: 'proc-0801234-56.2026.8.26.0100',
    source: 'Comite de credito 2026-09-30',
    trigger: 'art_3_p2_iii',
    declaredBy: '<string>',
    evidenceNotes: '<string>'
  })
};

fetch('https://lender.sandbox.lerian.net/api/v1/br/loan-accounts/{id}/problem-asset-assessments', options)
  .then(res => res.json())
  .then(res => console.log(res))
  .catch(err => console.error(err));

import requests

url = "https://lender.sandbox.lerian.net/api/v1/br/loan-accounts/{id}/problem-asset-assessments"

payload = {
    "characterizesProblemAsset": True,
    "evaluatedOn": "2026-09-30",
    "evidenceReference": "proc-0801234-56.2026.8.26.0100",
    "source": "Comite de credito 2026-09-30",
    "trigger": "art_3_p2_iii",
    "declaredBy": "<string>",
    "evidenceNotes": "<string>"
}
headers = {
    "X-Idempotency": "<x-idempotency>",
    "Authorization": "Bearer <token>",
    "Content-Type": "application/json"
}

response = requests.post(url, json=payload, headers=headers)

print(response.text)

{
  "assessmentId": "<string>",
  "characterizesProblemAsset": true,
  "createdAt": "<string>",
  "declaredBy": "<string>",
  "evaluatedOn": "<string>",
  "evidenceNotes": "<string>",
  "evidenceReference": "<string>",
  "loanAccountId": "<string>",
  "source": "<string>",
  "trigger": "<string>"
}

{
  "code": "<string>",
  "detail": "Property foo is required but is missing.",
  "errors": [
    {
      "location": "<string>",
      "message": "<string>",
      "value": "<unknown>"
    }
  ],
  "instance": "https://example.com/error-log/abc123",
  "status": 400,
  "title": "Bad Request",
  "type": "https://example.com/errors/example",
  "upstream": {
    "code": "E4001",
    "message": "account not found at provider"
  }
}

{
  "code": "<string>",
  "detail": "Property foo is required but is missing.",
  "errors": [
    {
      "location": "<string>",
      "message": "<string>",
      "value": "<unknown>"
    }
  ],
  "instance": "https://example.com/error-log/abc123",
  "status": 400,
  "title": "Bad Request",
  "type": "https://example.com/errors/example",
  "upstream": {
    "code": "E4001",
    "message": "account not found at provider"
  }
}

{
  "code": "<string>",
  "detail": "Property foo is required but is missing.",
  "errors": [
    {
      "location": "<string>",
      "message": "<string>",
      "value": "<unknown>"
    }
  ],
  "instance": "https://example.com/error-log/abc123",
  "status": 400,
  "title": "Bad Request",
  "type": "https://example.com/errors/example",
  "upstream": {
    "code": "E4001",
    "message": "account not found at provider"
  }
}

{
  "code": "<string>",
  "detail": "Property foo is required but is missing.",
  "errors": [
    {
      "location": "<string>",
      "message": "<string>",
      "value": "<unknown>"
    }
  ],
  "instance": "https://example.com/error-log/abc123",
  "status": 400,
  "title": "Bad Request",
  "type": "https://example.com/errors/example",
  "upstream": {
    "code": "E4001",
    "message": "account not found at provider"
  }
}

{
  "code": "<string>",
  "detail": "Property foo is required but is missing.",
  "errors": [
    {
      "location": "<string>",
      "message": "<string>",
      "value": "<unknown>"
    }
  ],
  "instance": "https://example.com/error-log/abc123",
  "status": 400,
  "title": "Bad Request",
  "type": "https://example.com/errors/example",
  "upstream": {
    "code": "E4001",
    "message": "account not found at provider"
  }
}

{
  "code": "<string>",
  "detail": "Property foo is required but is missing.",
  "errors": [
    {
      "location": "<string>",
      "message": "<string>",
      "value": "<unknown>"
    }
  ],
  "instance": "https://example.com/error-log/abc123",
  "status": 400,
  "title": "Bad Request",
  "type": "https://example.com/errors/example",
  "upstream": {
    "code": "E4001",
    "message": "account not found at provider"
  }
}

{
  "code": "<string>",
  "detail": "Property foo is required but is missing.",
  "errors": [
    {
      "location": "<string>",
      "message": "<string>",
      "value": "<unknown>"
    }
  ],
  "instance": "https://example.com/error-log/abc123",
  "status": 400,
  "title": "Bad Request",
  "type": "https://example.com/errors/example",
  "upstream": {
    "code": "E4001",
    "message": "account not found at provider"
  }
}

{
  "code": "<string>",
  "detail": "Property foo is required but is missing.",
  "errors": [
    {
      "location": "<string>",
      "message": "<string>",
      "value": "<unknown>"
    }
  ],
  "instance": "https://example.com/error-log/abc123",
  "status": 400,
  "title": "Bad Request",
  "type": "https://example.com/errors/example",
  "upstream": {
    "code": "E4001",
    "message": "account not found at provider"
  }
}

{
  "code": "<string>",
  "detail": "Property foo is required but is missing.",
  "errors": [
    {
      "location": "<string>",
      "message": "<string>",
      "value": "<unknown>"
    }
  ],
  "instance": "https://example.com/error-log/abc123",
  "status": 400,
  "title": "Bad Request",
  "type": "https://example.com/errors/example",
  "upstream": {
    "code": "E4001",
    "message": "account not found at provider"
  }
}

Declare a qualitative problem-asset assessment

Records an operator’s declaration that a contract is, or is not, a problem asset for a qualitative reason under Res. CMN 4.966 art. 3 paragraphs 1 and 2 — the situations that characterise an asset as problematic with no arrears at all. The declaration carries a MANDATORY evidence reference and is immutable: a prior characterisation is withdrawn by declaring the same trigger again with characterizesProblemAsset false and its own evidence, never by deleting. The nightly stage sweep reads the live declarations.

POST

api

loan-accounts

{id}

problem-asset-assessments

Declare a qualitative problem-asset assessment

curl --request POST \
  --url https://lender.sandbox.lerian.net/api/v1/br/loan-accounts/{id}/problem-asset-assessments \
  --header 'Authorization: Bearer <token>' \
  --header 'Content-Type: application/json' \
  --header 'X-Idempotency: <x-idempotency>' \
  --data '
{
  "characterizesProblemAsset": true,
  "evaluatedOn": "2026-09-30",
  "evidenceReference": "proc-0801234-56.2026.8.26.0100",
  "source": "Comite de credito 2026-09-30",
  "trigger": "art_3_p2_iii",
  "declaredBy": "<string>",
  "evidenceNotes": "<string>"
}
'

package main

import (
	"fmt"
	"strings"
	"net/http"
	"io"
)

func main() {

	url := "https://lender.sandbox.lerian.net/api/v1/br/loan-accounts/{id}/problem-asset-assessments"

	payload := strings.NewReader("{\n  \"characterizesProblemAsset\": true,\n  \"evaluatedOn\": \"2026-09-30\",\n  \"evidenceReference\": \"proc-0801234-56.2026.8.26.0100\",\n  \"source\": \"Comite de credito 2026-09-30\",\n  \"trigger\": \"art_3_p2_iii\",\n  \"declaredBy\": \"<string>\",\n  \"evidenceNotes\": \"<string>\"\n}")

	req, _ := http.NewRequest("POST", url, payload)

	req.Header.Add("X-Idempotency", "<x-idempotency>")
	req.Header.Add("Authorization", "Bearer <token>")
	req.Header.Add("Content-Type", "application/json")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(string(body))

}

const options = {
  method: 'POST',
  headers: {
    'X-Idempotency': '<x-idempotency>',
    Authorization: 'Bearer <token>',
    'Content-Type': 'application/json'
  },
  body: JSON.stringify({
    characterizesProblemAsset: true,
    evaluatedOn: '2026-09-30',
    evidenceReference: 'proc-0801234-56.2026.8.26.0100',
    source: 'Comite de credito 2026-09-30',
    trigger: 'art_3_p2_iii',
    declaredBy: '<string>',
    evidenceNotes: '<string>'
  })
};

fetch('https://lender.sandbox.lerian.net/api/v1/br/loan-accounts/{id}/problem-asset-assessments', options)
  .then(res => res.json())
  .then(res => console.log(res))
  .catch(err => console.error(err));

import requests

url = "https://lender.sandbox.lerian.net/api/v1/br/loan-accounts/{id}/problem-asset-assessments"

payload = {
    "characterizesProblemAsset": True,
    "evaluatedOn": "2026-09-30",
    "evidenceReference": "proc-0801234-56.2026.8.26.0100",
    "source": "Comite de credito 2026-09-30",
    "trigger": "art_3_p2_iii",
    "declaredBy": "<string>",
    "evidenceNotes": "<string>"
}
headers = {
    "X-Idempotency": "<x-idempotency>",
    "Authorization": "Bearer <token>",
    "Content-Type": "application/json"
}

response = requests.post(url, json=payload, headers=headers)

print(response.text)

{
  "assessmentId": "<string>",
  "characterizesProblemAsset": true,
  "createdAt": "<string>",
  "declaredBy": "<string>",
  "evaluatedOn": "<string>",
  "evidenceNotes": "<string>",
  "evidenceReference": "<string>",
  "loanAccountId": "<string>",
  "source": "<string>",
  "trigger": "<string>"
}

{
  "code": "<string>",
  "detail": "Property foo is required but is missing.",
  "errors": [
    {
      "location": "<string>",
      "message": "<string>",
      "value": "<unknown>"
    }
  ],
  "instance": "https://example.com/error-log/abc123",
  "status": 400,
  "title": "Bad Request",
  "type": "https://example.com/errors/example",
  "upstream": {
    "code": "E4001",
    "message": "account not found at provider"
  }
}

{
  "code": "<string>",
  "detail": "Property foo is required but is missing.",
  "errors": [
    {
      "location": "<string>",
      "message": "<string>",
      "value": "<unknown>"
    }
  ],
  "instance": "https://example.com/error-log/abc123",
  "status": 400,
  "title": "Bad Request",
  "type": "https://example.com/errors/example",
  "upstream": {
    "code": "E4001",
    "message": "account not found at provider"
  }
}

{
  "code": "<string>",
  "detail": "Property foo is required but is missing.",
  "errors": [
    {
      "location": "<string>",
      "message": "<string>",
      "value": "<unknown>"
    }
  ],
  "instance": "https://example.com/error-log/abc123",
  "status": 400,
  "title": "Bad Request",
  "type": "https://example.com/errors/example",
  "upstream": {
    "code": "E4001",
    "message": "account not found at provider"
  }
}

{
  "code": "<string>",
  "detail": "Property foo is required but is missing.",
  "errors": [
    {
      "location": "<string>",
      "message": "<string>",
      "value": "<unknown>"
    }
  ],
  "instance": "https://example.com/error-log/abc123",
  "status": 400,
  "title": "Bad Request",
  "type": "https://example.com/errors/example",
  "upstream": {
    "code": "E4001",
    "message": "account not found at provider"
  }
}

{
  "code": "<string>",
  "detail": "Property foo is required but is missing.",
  "errors": [
    {
      "location": "<string>",
      "message": "<string>",
      "value": "<unknown>"
    }
  ],
  "instance": "https://example.com/error-log/abc123",
  "status": 400,
  "title": "Bad Request",
  "type": "https://example.com/errors/example",
  "upstream": {
    "code": "E4001",
    "message": "account not found at provider"
  }
}

{
  "code": "<string>",
  "detail": "Property foo is required but is missing.",
  "errors": [
    {
      "location": "<string>",
      "message": "<string>",
      "value": "<unknown>"
    }
  ],
  "instance": "https://example.com/error-log/abc123",
  "status": 400,
  "title": "Bad Request",
  "type": "https://example.com/errors/example",
  "upstream": {
    "code": "E4001",
    "message": "account not found at provider"
  }
}

{
  "code": "<string>",
  "detail": "Property foo is required but is missing.",
  "errors": [
    {
      "location": "<string>",
      "message": "<string>",
      "value": "<unknown>"
    }
  ],
  "instance": "https://example.com/error-log/abc123",
  "status": 400,
  "title": "Bad Request",
  "type": "https://example.com/errors/example",
  "upstream": {
    "code": "E4001",
    "message": "account not found at provider"
  }
}

{
  "code": "<string>",
  "detail": "Property foo is required but is missing.",
  "errors": [
    {
      "location": "<string>",
      "message": "<string>",
      "value": "<unknown>"
    }
  ],
  "instance": "https://example.com/error-log/abc123",
  "status": 400,
  "title": "Bad Request",
  "type": "https://example.com/errors/example",
  "upstream": {
    "code": "E4001",
    "message": "account not found at provider"
  }
}

{
  "code": "<string>",
  "detail": "Property foo is required but is missing.",
  "errors": [
    {
      "location": "<string>",
      "message": "<string>",
      "value": "<unknown>"
    }
  ],
  "instance": "https://example.com/error-log/abc123",
  "status": 400,
  "title": "Bad Request",
  "type": "https://example.com/errors/example",
  "upstream": {
    "code": "E4001",
    "message": "account not found at provider"
  }
}

Authorizations

Authorization

string

header

required

JWT bearer token issued by the identity provider.

Headers

X-Idempotency

string

required

Canonical idempotency request ID. Required: a declaration changes what the contract is provisioned at, so without a key a retry cannot be told apart from a second characterisation.

Path Parameters

string<uuid>

required

Loan account (contract) identifier.

Body

application/json

characterizesProblemAsset

boolean

required

The verdict. False records that the trigger was evaluated and did NOT characterise the asset — which is how a prior characterisation is withdrawn, and is not the same as never having looked.

evaluatedOn

string

required

The business day the assessment was made (YYYY-MM-DD). A day and not an instant: it is compared against a competencia, which is a civil day.

Example:

"2026-09-30"

evidenceReference

string

required

Mandatory pointer to the evidence: a document id, a case number, a URL. Required because this declaration suspends the contract's income recognition and raises its provision, and one that cites nothing cannot be reviewed.

Maximum string length: 512

Example:

"proc-0801234-56.2026.8.26.0100"

source

string

required

Where the characterisation came from: the credit committee, the bureau feed, the court notice.

Maximum string length: 256

Example:

"Comite de credito 2026-09-30"

trigger

string

required

The norm article the assessment invokes. Free text because art. 3 par. 2 is an open list ("entre outros"): the console offers the incisos as presets and accepts any other article an assessor names. Stored trimmed and lower-cased, because the article is the identity a later withdrawal has to match: sent as ART_3_P2_III it is stored, returned and withdrawn as art_3_p2_iii. Examples: art_3_p1, art_3_p2_i, art_3_p2_iii, art_3_p2_iv, art_3_p2_vi.

Maximum string length: 128

Example:

"art_3_p2_iii"

declaredBy

string

Declaring subject, used ONLY on a deployment with authentication disabled. When the request carries a validated identity, that subject is recorded and this field is ignored.

Maximum string length: 256

evidenceNotes

string

The assessor's own notes. Optional: the reference is what makes the declaration checkable, the prose is what makes it readable.

Maximum string length: 4096

Response

Created

assessmentId

string

required

Identity of this declaration.

characterizesProblemAsset

boolean

required

The verdict recorded.

createdAt

string

required

When the declaration was recorded (RFC 3339, UTC).

declaredBy

string

required

Authenticated subject that declared it, as free text.

evaluatedOn

string

required

Business day the assessment was made (YYYY-MM-DD).

evidenceNotes

string

required

The assessor's own notes, empty when none were written.

evidenceReference

string

required

Pointer to the evidence behind the declaration.

loanAccountId

string

required

Contract the declaration is about.

source

string

required

Where the characterisation came from.

trigger

string

required

The norm article invoked, trimmed and lower-cased. This is the form a withdrawal of this declaration must use.

Brazil loan products

Consignado operations

Loan product lifecycle

Product versions

Product configuration

Floating-rate tables

Document templates

Loan Applications

Credit instruments

Regulatory disclosures and risk

Payoff and prepayment

Account overview and audit

Charges and schedule

Repayments

Transactions

Returned payment receivables

Assignment funds

Assignment sets

Assignment exceptions and registry

Accounting

Portfolio dashboards

Jurisdictions

Tax

Session

Streaming

Error handling

Events

Declare a qualitative problem-asset assessment

Authorizations

Headers

Path Parameters

Body

Response