How do I cope with deciding who gets approved and who gets turned away?

You can read anyone's creditworthiness now. And the mastery carries a quiet weight: you know that your approvals open doors and your denials close them, and that the system turns some people away for reasons that were never their fault. Feeling that weight means you have not gone numb. That matters. You did not build the rules you work within, and you cannot single-handedly fix what is unfair in them. But the person doing this job with a conscience is better than one without. Your care shows up in how thoroughly you look for a reason to say yes, and in how honestly you treat the people you must tell no. Where you have room, use it: look harder at the borderline files, explain your decisions like the person deserves to understand them. You cannot right the whole system from your desk. You can make sure everyone who passes through it was seen by someone who actually cared. Let that be your standard.