test: run shared setup once per class to speed up lending tests

[Nihantra-Patel]

What this does

Moves the shared test setup (loan accounts, loan products, securities and customers) from setUp into setUpClass across the lending test suites.

Why

setUp runs before every single test. The lending tests were rebuilding the same master data again and again for each test in a class, even though the data never changed between tests. This was a big part of why each test took several seconds.

setUpClass runs only once per test class, so the heavy setup happens one time instead of once per test.

What stays the same

• Each test still gets its fresh applicant lookup in setUp where it is needed.
• The base test case rolls back the database after every test, so tests stay isolated and do not affect each other.
• Test logic and assertions are unchanged.

Result

• Smaller test classes are about 40-50% faster.

[codecov-commenter]

Codecov Report

✅ All modified and coverable lines are covered by tests.
✅ Project coverage is 82.59%. Comparing base (b38ce3f) to head (04c92a3).
⚠️ Report is 40 commits behind head on develop.

Additional details and impacted files

@@             Coverage Diff             @@
##           develop    #1297      +/-   ##
===========================================
+ Coverage    82.54%   82.59%   +0.05%     
===========================================
  Files          154      154              
  Lines        10846    10929      +83     
===========================================
+ Hits          8953     9027      +74     
- Misses        1893     1902       +9     

Files with missing lines	Coverage Δ
...type/bulk_repayment_log/test_bulk_repayment_log.py	100.00% <100.00%> (ø)
lending/loan_management/doctype/loan/test_loan.py	99.21% <100.00%> (+<0.01%)	⬆️
...nt/doctype/loan_adjustment/test_loan_adjustment.py	100.00% <100.00%> (ø)
...octype/loan_disbursement/test_loan_disbursement.py	100.00% <100.00%> (ø)
...oan_interest_accrual/test_loan_interest_accrual.py	100.00% <100.00%> (ø)
...management/doctype/loan_refund/test_loan_refund.py	100.00% <100.00%> (ø)
...ment/doctype/loan_repayment/test_loan_repayment.py	100.00% <100.00%> (ø)
...oan_repayment_repost/test_loan_repayment_repost.py	100.00% <100.00%> (ø)
.../doctype/loan_restructure/test_loan_restructure.py	100.00% <100.00%> (ø)
...curity_assignment/test_loan_security_assignment.py	100.00% <100.00%> (ø)
... and 4 more

... and 2 files with indirect coverage changes

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