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"
  }
}

{
  "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"
  }
}

{
  "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"
  }
}

Autorizaciones

Authorization

string

header

requerido

JWT bearer token issued by the identity provider.

Encabezados

X-Idempotency

string

requerido

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.

Parámetros de ruta

string<uuid>

requerido

Loan account (contract) identifier.

Cuerpo

application/json

characterizesProblemAsset

boolean

requerido

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

requerido

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.

Ejemplo:

"2026-09-30"

evidenceReference

string

requerido

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

Ejemplo:

"proc-0801234-56.2026.8.26.0100"

source

string

requerido

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

Maximum string length: 256

Ejemplo:

"Comite de credito 2026-09-30"

trigger

string

requerido

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. Reserved: art_3_p4_iii and art_3_p4_iv attest the conditions of a cure (art. 3 par. 4), never characterise and require evidenceNotes; recording art_3_p4_iv at least 90 days before a cure is the proof an instrument paid every three months or more needs (art. 3 par. 6). Reserved: pdd_manual_stage is the floor a manual stage_2 or stage_3 holds; declare it with characterizesProblemAsset false to release the floor, or true to reaffirm it.

Maximum string length: 128

Ejemplo:

"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

Respuesta

Created

assessmentId

string

requerido

Identity of this declaration.

characterizesProblemAsset

boolean

requerido

The verdict recorded.

createdAt

string

requerido

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

declaredBy

string

requerido

Authenticated subject that declared it, as free text.

evaluatedOn

string

requerido

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

evidenceNotes

string

requerido

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

evidenceReference

string

requerido

Pointer to the evidence behind the declaration.

loanAccountId

string

requerido

Contract the declaration is about.

source

string

requerido

Where the characterisation came from.

trigger

string

requerido

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

Productos de préstamo de Brasil

Operaciones de consignado

Apertura de contratos

Ciclo de vida del producto

Versiones del producto

Configuración del producto

Tablas de tasa flotante

Plantillas de documento

Solicitudes de Préstamo

Garantías

Instrumentos de crédito

Divulgaciones regulatorias y riesgo

Liquidación y prepago

Bajas contables y recuperación de crédito

Resumen y auditoría de cuenta

Cargos y calendario

Pagos

Transacciones

Cuentas por cobrar de pago devuelto

Fondos de cesión

Lotes de cesión

Excepciones y dossiers de la cesión

Contabilidad

Paneles de cartera

Jurisdicciones

Impuestos

Acceso de socios

Sesión

Fecha de negocio

Streaming

Manejo de errores

Eventos

Declare a qualitative problem-asset assessment

Autorizaciones

Encabezados

Parámetros de ruta

Cuerpo

Respuesta