The solution is to break the explanation/decision into two or more steps. Have it summarize the pros and cons of the loan. Have it score the issues. Have it ex

The solution is to break the explanation/decision into two or more steps. Have it summarize the pros and cons of the loan. Have it score the issues. Have it explain why those issues and scores should receive a loan or not. Have it decide if those reasons are legitimate and the reasoning sound. Have it pronounce the final answer. Get the rationalization out first and then examine it. This way even if you're wrong you have multiple steps of fairly clear reasoning to adjust. If it's racially biased you can literally see it and can see where to explain not to use that reasoning.