[Backend] backend/src/config/loanConfig.ts values are not validated at startup

[grantfox-oss]

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Why this matters
backend/src/config/loanConfig.ts centralizes loan thresholds referenced across controllers and services, but nothing asserts at process start that the values are internally consistent, unlike backend/src/config/env.ts which has envValidation.test.ts.

Acceptance criteria

• Add a startup validation function for loanConfig.ts mirroring the pattern in env.ts
• Add a unit test asserting invalid configs, such as min score above max score, throw at startup

Files to touch

• backend/src/config/loanConfig.ts
• backend/src/tests/envValidation.test.ts

Out of scope
Changing the actual threshold values.

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