feat: add Loan Officer Assistant agent to Specialized Division

[epowelljr]

Summary

Adds a Loan Officer Assistant Agent (specialized/loan-officer-assistant.md) to the Specialized Division — a compliance-aware lending specialist supporting mortgage originators through borrower intake, pre-qualification, document collection, TRID timeline tracking, pipeline management, and closing coordination across residential, commercial, and consumer lending.

The defining characteristic of this agent is its regulatory specificity: TRID timelines are called out with exact federal windows (Loan Estimate within 3 business days of application; Closing Disclosure 3 business days before consummation), fair lending compliance is treated as absolute, and the agent never makes credit decisions — those stay with the licensed underwriter. These guardrails are not disclaimers; they're built into every workflow.

Key capabilities:

• Borrower intake script with loan purpose identification across purchase, refi, construction, HELOC, commercial, and consumer products
• Pre-qualification worksheet: DTI calculation, income documentation requirements, credit tier framing
• Document collection tracker with expiration date monitoring (pay stubs, bank statements, appraisal, credit report)
• Rate lock management with expiration alerts and extension lead time
• TRID compliance tracker with delivery confirmation requirements
• Pipeline stage definitions from inquiry through closed/funded with milestone alert cadence

Why this fills a gap: Mortgage origination is one of the most document-intensive, deadline-driven, and compliance-sensitive workflows in financial services. A dedicated agent that understands TRID, HMDA, fair lending, and the full loan lifecycle addresses a real need for any lending team or solo loan officer using AI tooling.

Test plan

• Verify frontmatter fields match the existing agent format
• Confirm the agent never provides a rate quote without current rate sheet authorization
• Verify TRID delivery windows are cited correctly (3 business days for LE; 3 for CD)
• Check that credit decisions are always deferred to the underwriter, never implied
• Confirm document expiration tracking is included in the pipeline management workflow

cc @msitarzewski — happy to adjust scope, naming, or formatting to match your conventions before merge.