Not wanting to call you a point-haired-boss, but:

"clerk opens digital file, reviews attached floor plannings and previous tax filings/business plans (or the system automatically has the flag "this is a small business" attached), clicks on either approve or deny button, system automatically sends paperwork to the applicant."

Sounds almost exactly like the sort of comment that will emerge from a PHB when it is suggested that a proper business requirement spec and functional spec is needed.

I imagine the number of edge cases involved in"reviews attached floor plannings and previous tax filings/business plans" could be rather terrifying.