feat(loan-origination): guarantor share-account verification, committee resolution gating, legal doc uploads, CIC score-detection fixes, and interest/share rate chart

- Guarantor must be a real existing client with a verified active share account, with clickable share-account chips
- Loan Committee Approval now requires Resolution No./Date plus a full application report before approving
- Loan Committee gets its own pre-filtered pipeline view via a menu link and stage query param
- Legal Approval stage gets a multi-file document upload checklist with add-more support
- CIC PDF parser: item-level score detection before line-based fallback, fixing font-size-driven line-merging misdetection
- New Interest & Share Rate Chart tab: per-product interest/tenure bands and per-amount-slab Share Capital linkage requirements

src/app/loan-origination/application-detail/application-detail.component.ts

@@ -232,6 +232,12 @@ export class ApplicationDetailComponent implements OnInit, OnDestroy {
   productDocCapture: Record<string, NewKycSingleDoc> = {};
   newCustomDocLabel = '';
 
+  /** Same local-only capture, "Add More Doc" included, for `a.legalDocuments` at Legal Approval --
+   *  a separate record since it's a different array on the application, not the product's own
+   *  document list. */
+  legalDocCapture: Record<string, NewKycSingleDoc[]> = {};
+  newLegalDocLabel = '';
+
   /** The Housing Loan "KYC Documents of Co-Owners" requirement only actually applies when the
    *  registry lists more than one person -- this checkbox is how the officer says whether that's
    *  the case, before the Aadhaar/PAN capture (front/back + verification, in its own popup so the
@@ -417,12 +423,21 @@ export class ApplicationDetailComponent implements OnInit, OnDestroy {
       this.cicConsentCapture = { file: null, previewUrl: null };
       this.cicPaymentRefInput = '';
       this.agentReportRemarkInput = '';
+      this.guarantorSearchText = '';
+      this.guarantorSearchResults = [];
+      this.guarantorShareAccounts = [];
       this.revokeProductDocPreviews();
       this.productDocCapture = {};
       (this.application?.productDocuments ?? []).forEach((doc) => {
         this.productDocCapture[doc.key] = { file: null, previewUrl: null };
       });
       this.newCustomDocLabel = '';
+      this.revokeLegalDocPreviews();
+      this.legalDocCapture = {};
+      (this.application?.legalDocuments ?? []).forEach((doc) => {
+        this.legalDocCapture[doc.key] = [];
+      });
+      this.newLegalDocLabel = '';
       this.revokeDocSidePreviews(this.coOwnerCapture.aadhaar);
       this.revokeDocSidePreviews(this.coOwnerCapture.pan);
       this.coOwnerCapture = { hasCoOwner: false, aadhaar: this.emptyDocSide(), pan: this.emptyDocSide() };
@@ -897,6 +912,88 @@ export class ApplicationDetailComponent implements OnInit, OnDestroy {
     delete this.productDocCapture[doc.key];
   }
 
+  // -------------------- Legal documents (Legal Approval) --------------------
+  /** Any one legal document can genuinely be several files -- a multi-page registered agreement
+   *  scanned page by page, more than one mortgagor's stamp paper, etc. -- so each doc key holds an
+   *  array here, the same shape the Field Investigation site-photo capture already uses, rather
+   *  than a single file that a second upload would silently replace. */
+  async onLegalDocFile(doc: ProductDocumentEntry, event: Event): Promise<void> {
+    const input = event.target as HTMLInputElement;
+    const files = Array.from(input.files ?? []);
+    input.value = '';
+    if (files.length === 0) {
+      return;
+    }
+    if (!this.legalDocCapture[doc.key]) {
+      this.legalDocCapture[doc.key] = [];
+    }
+    for (const file of files) {
+      this.legalDocCapture[doc.key].push({
+        file,
+        previewUrl: file.type.startsWith('image/') ? URL.createObjectURL(file) : null
+      });
+    }
+    doc.submitted = true;
+  }
+
+  removeLegalDocFile(doc: ProductDocumentEntry, index: number): void {
+    const files = this.legalDocCapture[doc.key];
+    if (!files) {
+      return;
+    }
+    const [removed] = files.splice(index, 1);
+    if (removed?.previewUrl) {
+      URL.revokeObjectURL(removed.previewUrl);
+    }
+  }
+
+  private readonly legalDocIcons: Record<string, string> = {
+    loanAgreement: '📜',
+    stampDutyReceipt: '🧾',
+    feeReceipt: '💳',
+    mortgageDeed: '🏠',
+    titleSearchReport: '🔎',
+    fileFilingAck: '🗂️'
+  };
+
+  legalDocIcon(key: string): string {
+    return this.legalDocIcons[key] ?? '📄';
+  }
+
+  legalDocsSubmittedCount(a: LoanApplication): number {
+    return a.legalDocuments.filter((doc) => doc.submitted).length;
+  }
+
+  /** Lets the officer add a document this matter specifically needed beyond the starter list --
+   *  a second mortgagor's consent letter, a court NOC, etc. -- same "Add More Doc" pattern the
+   *  product-specific documents already use. */
+  addCustomLegalDoc(a: LoanApplication): void {
+    const label = this.newLegalDocLabel.trim();
+    if (!label) {
+      return;
+    }
+    const key = `custom-${a.legalDocuments.length}-${label.toLowerCase().replace(/[^a-z0-9]+/g, '-')}`;
+    a.legalDocuments.push({ key, label, custom: true, submitted: false });
+    this.legalDocCapture[key] = [];
+    this.newLegalDocLabel = '';
+  }
+
+  removeCustomLegalDoc(a: LoanApplication, doc: ProductDocumentEntry): void {
+    if (!doc.custom) {
+      return;
+    }
+    const idx = a.legalDocuments.indexOf(doc);
+    if (idx >= 0) {
+      a.legalDocuments.splice(idx, 1);
+    }
+    (this.legalDocCapture[doc.key] ?? []).forEach((capture) => {
+      if (capture.previewUrl) {
+        URL.revokeObjectURL(capture.previewUrl);
+      }
+    });
+    delete this.legalDocCapture[doc.key];
+  }
+
   onCoOwnerToggle(a: LoanApplication): void {
     this.syncCoOwnerDocSubmitted(a);
   }
@@ -1010,6 +1107,7 @@ export class ApplicationDetailComponent implements OnInit, OnDestroy {
     this.sub?.unsubscribe();
     this.revokeNewKycPreviews(this.newKycCapture);
     this.revokeProductDocPreviews();
+    this.revokeLegalDocPreviews();
     this.revokeDocSidePreviews(this.coOwnerCapture.aadhaar);
     this.revokeDocSidePreviews(this.coOwnerCapture.pan);
     this.revokeCoBorrowerPreviews();
@@ -1030,6 +1128,16 @@ export class ApplicationDetailComponent implements OnInit, OnDestroy {
     });
   }
 
+  private revokeLegalDocPreviews(): void {
+    Object.values(this.legalDocCapture).forEach((docs) => {
+      docs.forEach((doc) => {
+        if (doc.previewUrl) {
+          URL.revokeObjectURL(doc.previewUrl);
+        }
+      });
+    });
+  }
+
   private toast(msg: string): void {
     this.toastMsg = msg;
     this.toastVisible = true;
@@ -1984,6 +2092,22 @@ I confirm that:
   }
 
   // -------------------- Approvals (Credit Committee / Risk / Legal / Post-Check) --------------------
+  /** The Loan Committee's decision only counts once it's actually minuted -- a resolution number
+   *  and date, the same thing that gets quoted on the sanction letter later -- not just a
+   *  self-ticked Approve button with nothing behind it. */
+  committeeCanApprove(a: LoanApplication): boolean {
+    return this.committeeReportsReady(a) && !!a.committeeResolutionNo.trim() && !!a.committeeResolutionDate.trim();
+  }
+
+  approveCommitteeStage(a: LoanApplication): void {
+    if (!this.committeeCanApprove(a)) {
+      return;
+    }
+    const remarks = `${this.actionRemarks.trim() || 'Reviewed and approved.'} (Resolution No. ${a.committeeResolutionNo.trim()} dated ${a.committeeResolutionDate.trim()})`;
+    decideApproval(a, 'creditCommitteeApproval', 'APPROVED', this.currentUserName, 'Sanctioning Authority', remarks);
+    this.actionRemarks = '';
+  }
+
   approveStage(a: LoanApplication, field: ApprovalField, approverRole: string): void {
     decideApproval(
       a,
@@ -2044,10 +2168,85 @@ I confirm that:
       a.previousLoanDeclarationDone &&
       (!a.secured || (a.propertySearchReportDone && a.valuationReportConfirmed)) &&
       this.fiComplete(a) &&
-      a.backgroundCheckDone
+      a.backgroundCheckDone &&
+      (!a.guarantorRequired || (!!a.guarantorClientId && a.guarantorHasShareAccount))
     );
   }
 
+  // -------------------- Guarantor (Risk Approval) --------------------
+  /** A guarantor has to be a real, already-onboarded bank client -- same search-as-you-type
+   *  against real Fineract clients the New Application form's "Existing Customer" picker uses --
+   *  not a free-text name nobody has actually verified exists. */
+  guarantorSearchText = '';
+  guarantorSearchResults: any[] = [];
+  searchingGuarantor = false;
+  loadingGuarantorShareCheck = false;
+  /** The guarantor's own real share accounts -- shown as clickable chips (same
+   *  viewShareAccountDetails popup the applicant's own Share Member section already uses) once
+   *  membership is verified, not just a bare "Verified" badge with nothing behind it. */
+  guarantorShareAccounts: any[] = [];
+  private guarantorSearchTimer: ReturnType<typeof setTimeout> | undefined;
+
+  onGuarantorSearch(text: string): void {
+    this.guarantorSearchText = text;
+    clearTimeout(this.guarantorSearchTimer);
+    if (!text || text.length < 2) {
+      this.guarantorSearchResults = [];
+      return;
+    }
+    this.searchingGuarantor = true;
+    this.guarantorSearchTimer = setTimeout(() => {
+      this.clientsService.searchByText(text, 0, 8, '', '', true, 'INDIVIDUAL').subscribe({
+        next: (data: any) => {
+          this.guarantorSearchResults = data?.content || [];
+          this.searchingGuarantor = false;
+        },
+        error: () => {
+          this.guarantorSearchResults = [];
+          this.searchingGuarantor = false;
+        }
+      });
+    }, 400);
+  }
+
+  selectGuarantor(a: LoanApplication, client: any): void {
+    a.guarantorClientId = client.id;
+    a.guarantorName = client.displayName;
+    a.guarantorHasShareAccount = false;
+    this.guarantorSearchResults = [];
+    this.guarantorSearchText = '';
+    this.verifyGuarantorShareAccount(a);
+  }
+
+  /** Lets the officer pick a different guarantor -- clears the share-account result too, since
+   *  it belonged to whichever client was selected before. */
+  clearGuarantor(a: LoanApplication): void {
+    a.guarantorClientId = null;
+    a.guarantorName = '—';
+    a.guarantorHasShareAccount = false;
+    this.guarantorShareAccounts = [];
+    this.guarantorSearchText = '';
+    this.guarantorSearchResults = [];
+  }
+
+  /** Same `/clients/{id}/accounts` call the applicant's own Share Member check uses -- a
+   *  guarantor with no active share account isn't actually a member of this cooperative bank,
+   *  regardless of what their name is. */
+  private verifyGuarantorShareAccount(a: LoanApplication): void {
+    if (!a.guarantorClientId) {
+      return;
+    }
+    this.loadingGuarantorShareCheck = true;
+    this.clientsService
+      .getClientAccountData(String(a.guarantorClientId))
+      .pipe(catchError(() => of(null)))
+      .subscribe((data: any) => {
+        this.guarantorShareAccounts = data?.shareAccounts ?? [];
+        a.guarantorHasShareAccount = this.guarantorShareAccounts.length > 0;
+        this.loadingGuarantorShareCheck = false;
+      });
+  }
+
   postCheckSignaturesDone(a: LoanApplication): boolean {
     return (
       a.signedByAgent && a.signedByManager && a.signedByCommittee && a.signedByRiskApproval && a.signedByLegalApproval
@@ -2064,7 +2263,7 @@ I confirm that:
 
     let parsed: CicReportAnalysis | null = null;
     if (file.type === 'application/pdf' || file.name.toLowerCase().endsWith('.pdf')) {
-      parsed = await parseCicPdfReport(file);
+      parsed = await parseCicPdfReport(file, a.cibilScore);
     }
 
     if (parsed) {