How do I learn to judge if someone is creditworthy?

You can pull the documents together, but actually judging whether someone is creditworthy still slips out of reach. That gap is normal. Gathering is a checklist; analysis is judgment, and judgment is the harder half. It is learned slowly, case by case, not memorized from a manual. Analysis is really a story you build from the numbers: can this person repay, and what happens if things go wrong? The documents are just the raw material. The skill is reading them together, asking what each one says about the risk, until a picture forms. That picture comes with practice, not all at once. For your next file, before you check the guidelines, write one plain sentence: would you lend this person your own money, and why. That instinct, tested against the rules again and again, is how real credit judgment grows. Start making the call yourself, then check your work.