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"
  }
}

Autorizações

Authorization

string

header

obrigatório

JWT bearer token issued by the identity provider.

Cabeçalhos

X-Idempotency

string

obrigatório

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.

Parâmetros de caminho

string<uuid>

obrigatório

Loan account (contract) identifier.

Corpo

application/json

characterizesProblemAsset

boolean

obrigatório

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

obrigatório

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.

Exemplo:

"2026-09-30"

evidenceReference

string

obrigatório

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

Exemplo:

"proc-0801234-56.2026.8.26.0100"

source

string

obrigatório

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

Maximum string length: 256

Exemplo:

"Comite de credito 2026-09-30"

trigger

string

obrigatório

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

Exemplo:

"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

Resposta

Created

assessmentId

string

obrigatório

Identity of this declaration.

characterizesProblemAsset

boolean

obrigatório

The verdict recorded.

createdAt

string

obrigatório

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

declaredBy

string

obrigatório

Authenticated subject that declared it, as free text.

evaluatedOn

string

obrigatório

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

evidenceNotes

string

obrigatório

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

evidenceReference

string

obrigatório

Pointer to the evidence behind the declaration.

loanAccountId

string

obrigatório

Contract the declaration is about.

source

string

obrigatório

Where the characterisation came from.

trigger

string

obrigatório

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

Produtos de empréstimo do Brasil

Operações de consignado

Ciclo de vida do produto

Versões do produto

Configuração do produto

Tabelas de taxa flutuante

Modelos de documento

Solicitações de Empréstimo

Instrumentos de crédito

Informações regulatórias e risco

Quitação e pré-pagamento

Visão geral e auditoria da conta

Encargos e cronograma

Pagamentos

Transações

Recebíveis de pagamento devolvido

Fundos de cessão

Lotes de cessão

Exceções e registradora da cessão

Contabilidade

Painéis da carteira

Jurisdições

Impostos

Sessão

Streaming

Tratamento de erros

Eventos

Declare a qualitative problem-asset assessment

Autorizações

Cabeçalhos

Parâmetros de caminho

Corpo

Resposta