I can gather the documents. Why can't I judge who's creditworthy?

Notice what you have done: you have confused collecting with understanding. The documents are in front of you. That is administration. Judging whether a borrower will repay is a different act entirely — it is judgment, and judgment is not given, it is trained. You are not missing some special talent the skilled analyst has. You are missing hours. Every person who reads a balance sheet and knows what it means has read hundreds before it, and been wrong on some of them, and been corrected. There is no shortcut past this. There is only the choice to start logging your calls and comparing them to outcomes, instead of waiting to feel ready. Do this with your team, not alone. Alone, you will avoid the file that embarrasses you. With others, someone will ask you why you scored it that way, and you will have to answer — and that is where the learning actually happens.