TUCKER T. OLSON
Contact
Portfolio
Education
Ball State University
Bachelor of Science - Finance
2010 - 2014
Core Competencies
•
Credit Risk Management
•
Credit Analysis
•
Loan Administration
•
Loan Structuring
•
Cash Flow Analysis
•
Uniform Credit Analysis (UCA)
•
Financial Statement Analysis
•
Covenant Compliance Testing
•
Portfolio Monitoring
•
Portfolio Risk Assessment
•
Regulatory Compliance
•
Due Diligence
•
Process Automation
•
Workflow Optimization
•
Appraisal Reviews
•
Environmental Reviews
Banking Tech
•
Microsoft 365 Office Suite
•
Salesforce
•
nCino
•
Abrigo Sageworks
•
Fusion CreditQuest
•
Fiserv
•
Fiserv Business Analyzer
•
FIS
•
OnBase
•
LaserPro
•
Business Intelligence Dashboards
•
SQL Database Management
Professional Summary
Finance professional with 11 years of experience in commercial loan and SBA underwriting, financial modeling, and portfolio oversight for Commercial & Industrial (C&I), Commercial Real Estate (CRE), and Investment Real Estate (IRE) credits. Seeking to contribute comprehensive credit risk analysis skillset within a collaborative, growth-oriented environment.
Experience
Independent Contractor
2023 - Current | Technical Consultant
•
AI Systems Training: Completed a contract focused on training artificial intelligence systems for long-running task completion specifically for commercial credit analysis.
•
Web Development Delivery: Finalized an end-to-end web development project for a commercial client in 2026, managing all phases from requirements to Cloudflare deployment and Google Advertisement Campaign.
•
AI Agentic Coding: Developing a web-based Loan Origination System (LOS) and CRM platform utilizing federated architecture.
•
Project Management: Independently managing 10+ concurrent microservices (analytics, workflows, marketplace, etc.), each with dedicated backends, PostgreSQL databases, and API layers.
Community State Bank of Avilla
2024 - 2025 | Senior Credit Analyst
•
Commercial Underwriting: Underwrote new loan requests with estimated aggregate exposure averaging between $500,000 and $3,000,000.
•
Risk Assessment & Analysis: Conducted detailed risk assessments by analyzing business financials, evaluating markets, and reviewing personal tax returns and financial statements to assess personal wherewithal.
•
Credit Monitoring & Compliance: Performed annual credit reviews and rigorous covenant testing to maintain portfolio integrity.
•
Collateral Review: Evaluated existing and proposed collateral structures, including comprehensive UCC lien analysis.
Aion Financial Technologies
2023 | Senior Underwriter
•
Commercial Underwriting: Managed the origination and underwriting of working capital lines for small and mid-sized businesses across diverse industries.
•
Digital Application Optimization: Collaborated with the Development Team to design Whimsical wireframes for a condition-based document collection system and an automated credit decisioning process.
•
SQL-Driven Automation: Leveraged SQL queries to streamline and automate data entry for credit memos, ensuring precision and consistency across all outputs.
Alter Domus
2022 - 2023 | Analyst, Senior Associate
•
SBA Underwriting Leadership: Led an SBA underwriting team within the Loan Servicing Department, underwriting and reviewing SBA 7(a) loan requests up to $5,000,000 in accordance with SBA Standard Operating Procedures.
•
VBA Automation & Efficiency: Reduced weekly manual data entry by 10 hours through the development and implementation of automated VBA financial analysis templates.
Extracurricular Coursework
Lake City University:
Two-Year Formal Credit Training
Two-Year Formal Credit Training
Indiana Bankers Association &
Other Online Training Platforms
Other Online Training Platforms
•
Advanced Credit Analysis
•
Analyzing Financial Statements
•
UCA Cash Flow Analysis
3 Rivers Federal Credit Union
2021 | Senior Credit Analyst
•
System Administration & Optimization: Acted as internal administrator for Abrigo Sageworks loan origination software; partnered with engineers to optimize Fiserv data integration and automate credit memo templates.
•
BI Engineering & Decision Velocity: Developed automated covenant monitoring and workflow tracking pipelines via Exago BI, contributing to a 40% reduction in average decision times.
•
Training & Workflow Documentation: Authored a comprehensive manual and provided platform training to Relationship Managers and Credit staff to streamline delegated workflow processes.
2020 - 2021 | Credit Analyst
•
Commercial Underwriting: Performed comprehensive credit underwriting for commercial relationships with aggregate exposures exceeding $750,000.
•
SBA PPP Program: Underwrote and processed Small Business Administration (SBA) Paycheck Protection Program (PPP) loans in response to the pandemic.
First Internet Bank of Indiana
2020 | SBA Underwriter / Analyst
•
SBA Underwriting: Underwrote SBA 7(a) loan requests up to $250,000 in collaboration with external referral partners.
•
Reporting & Tracking Development: Developed a robust internal tracking log in Microsoft Excel to support leadership with covenant tracking and automated reporting.
•
Process Documentation: Created a comprehensive training guide to standardize internal procedures and support ongoing team development.
Salin Bank and Trust Company
2018 - 2019 | Business Banking Relationship Manager
•
Revenue & Growth Achievement: Exceeded performance targets by achieving 122% of new loan funding goals, 173% of new deposit goals, and 100% of loan fee revenue targets.
2017 - 2018 | Commercial Underwriting Officer
•
Real Estate & Commercial Exposure Underwriting: Managed the credit underwriting for commercial relationships with aggregate exposures typically ranging from $3,000,000 to $7,000,000 using Fusion CreditQuest.
•
Financial Tooling Development: Developed and integrated standardized Microsoft Excel/Word templates for real estate economic analysis, global cash flow, and collateral analysis to enhance presentation quality.
Lake City Bank
2015 - 2017 | Credit Analyst
•
Commercial Underwriting & Exposure Analysis: Underwrote complex commercial real estate, investment real estate, and C&I loans with aggregate exposures typically averaging $2,000,000 - $7,000,000, and a maximum single-relationship exposure of $30,000,000.
•
Risk Assessment & Analysis: Performed in-depth financial analysis of borrowing entities and assessed personal financial wherewithal through the review of personal tax returns and financial statements.
•
Collateral & Lien Review: Evaluated collateral positions and performed UCC lien analysis to ensure proper security interest and risk mitigation.
•
Portfolio Maintenance: Conducted annual credit reviews and covenant compliance testing to ensure ongoing credit quality and policy adherence.
2014 - 2015 | Teller
•
Customer Service: Delivered prompt and professional customer service to retail and commercial clients at the Dupont Road branch.