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Olivia Havenor

@oliviahavenor

Commercial credit underwriting leader specializing in loan risk analysis.

United States
Message

What I'm looking for

I seek a role leveraging my commercial credit and underwriting expertise where I can lead credit decisions, mentor teams, and contribute to risk strategies in a collaborative, growth-oriented organization.

I am a commercial credit professional with a strong foundation in underwriting, risk management, and financial analysis, supported by a BS in Insurance and Risk Management and an MBA. I have experience evaluating SBA, CRE, construction, and consumer loan requests using core banking and credit tools, and I hold industry designations including AU-M, AINS, AIS, CPCU 551, and SAFE.

Throughout my career I have worked remotely and in-office for banks and lenders, progressing from underwriting and credit analyst roles to Commercial Credit Team Lead. I train and mentor junior staff, lead continuing-education initiatives, and cross-train across departments to meet organizational goals while improving credit decision quality.

I am also active in community and leadership roles — mentoring interns and volunteering with youth and child-advocacy programs — demonstrating a commitment to professional development and making a measurable impact both inside and outside the workplace.

Experience

Work history, roles, and key accomplishments

UB
Current

Commercial Credit Team Lead

University Bank

May 2023 - Present (2 years 5 months)

Led commercial credit analysis for SBA, commercial real estate, and construction loan applications, improving underwriting consistency and training junior associates. Performed financial analysis using core banking systems and Excel and participated in RMA continuing education.

NU

Credit Analyst

NewDay USA

Jan 2021 - Mar 2022 (1 year 2 months)

Participated in an accelerated underwriting program, contributing to underwriting case studies and obtaining SAFE certification while rotating through departments to gain end-to-end mortgage lifecycle knowledge.

Education

Degrees, certifications, and relevant coursework

University of Arizona Global Campus logoUC

University of Arizona Global Campus

Master of Business Administration, Business Administration

Completed a Master of Business Administration, graduating January 2024.

Indiana State University logoIU

Indiana State University

Bachelor of Science, Insurance and Risk Management

Completed a Bachelor of Science in Insurance and Risk Management, graduating December 2018.

Tech stack

Software and tools used professionally

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Olivia Havenor - Commercial Credit Team Lead - University Bank | Himalayas