Translate concurrent-modification IllegalStateException to 409 with code

Shipped: May 15, 2026 at 8:42 PM UTC
Author: Kamo
Commit: cbca351

Pairs with the shared-lib optimistic-lock change: when LoanPipelineService throws "Concurrent modification: refresh and retry", surface a structured {error, code: "CONCURRENT_MODIFICATION"} body so the UI can react with a refresh instead of a raw error toast.

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