BhardwajG572/sba-credit-risk-predictor ? reverse-engineered prompt

Build me a credit risk app for SBA loans that can predict whether a loan is likely to default and show the reason in a way a normal person can understand. I want a simple web dashboard where someone can enter loan and business details for one loan, get back a risk score, a yes or no style default prediction, and a short explanation of the biggest factors. It should also let users upload a CSV and get batch predictions with the results downloadable. Include a backend API with a health check and prediction endpoints, plus a clean Streamlit style dashboard for the UI. If possible, make it ready to run locally and in Docker, and wire it so the model, encoder, and scaler are loaded from saved files after training. Use the SBA loan data workflow already in the repo, and if anything is unclear, look up the current docs online and make reasonable defaults.