> ## Documentation Index
> Fetch the complete documentation index at: https://tonic-ai.mintlify.site/llms.txt
> Use this file to discover all available pages before exploring further.

# Credit Risk API

> API endpoints for credit risk assessment and capital requirements

## Credit Risk API

API endpoints for credit risk assessment, capital requirements calculation, portfolio analysis, and stress testing.

**Base Path**: `/api/credit-risk`\
**Code Reference**: `app/api/credit_risk_routes.py`

***

## Credit Risk Assessment

### Assess Credit Risk

<Endpoint method="POST" path="/api/credit-risk/assess" />

Assess credit risk for a deal or credit agreement.

**Request Body**:

```json theme={null}
{
  "deal_id": 123,
  "document_id": 456,
  "credit_agreement": {...},
  "additional_context": {
    "borrower_financials": {...}
  }
}
```

**Response**: Credit risk assessment including:

* Risk ratings
* PD/LGD/EAD estimates
* Risk-weighted assets (RWA)
* Capital requirements
* Policy evaluation results

**Code Reference**: `app/api/credit_risk_routes.py` (assess\_credit\_risk endpoint)

***

## Capital Requirements

### Calculate Capital Requirements

<Endpoint method="POST" path="/api/credit-risk/capital-requirements" />

Calculate Basel III capital requirements.

**Request Body**:

```json theme={null}
{
  "risk_weighted_assets": 10000000.00,
  "capital_ratio": 0.08
}
```

**Response**: Capital requirements calculation

***

## Portfolio Analysis

### Get Portfolio Summary

<Endpoint method="POST" path="/api/credit-risk/portfolio/summary" />

Get credit risk summary for portfolio.

**Request Body**:

```json theme={null}
{
  "deal_ids": [1, 2, 3],
  "user_id": 1
}
```

**Response**: Portfolio risk summary including:

* Total RWA
* Capital requirements
* Risk distribution
* Concentration metrics

***

## Stress Testing

### Run Stress Test

<Endpoint method="POST" path="/api/credit-risk/stress-test" />

Run stress test scenario on a deal.

**Request Body**:

```json theme={null}
{
  "deal_id": 123,
  "stress_scenario": "recession",
  "pd_shock": 1.5,
  "lgd_shock": 1.2,
  "market_value_shock": -0.2
}
```

**Response**: Stress test results including:

* Impact on capital requirements
* Risk rating changes
* Loss estimates

***

## Additional Resources

* [Policy Compliance](/compliance/policy-compliance)
* [Configuration Guide](/getting-started/configuration#policy-engine-configuration)

***

**Last Updated**: 2026-01-14\
**Code Reference**: `app/api/credit_risk_routes.py`