Olivia Havenor
@oliviahavenor
Commercial credit underwriting leader specializing in loan risk analysis.
What I'm looking for
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
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.
Senior Credit Analyst
Sunstone Credit Inc.
Mar 2022 - Apr 2023 (1 year 1 month)
Conducted initial financial screens and borrower eligibility reviews for commercial loan applications, supported onboarding and cross-functional operations in a start-up environment. Trained new credit analysts and used Salesforce and Sageworks for underwriting workflows.
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.
Analyzed new personal and commercial insurance risks, reviewed new and renewal business for profitability, and developed/maintained agency relationships to support business growth.
Education
Degrees, certifications, and relevant coursework
University of Arizona Global Campus
Master of Business Administration, Business Administration
Completed a Master of Business Administration, graduating January 2024.
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
Availability
Location
Authorized to work in
Job categories
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