Before starting, chop all vegetables and dice ham so they're ready to go.
Heat 1 tbsp olive oil in a 4-5 quart pot or dutch oven. Once oil is hot, add onion and cook until soft, 4-5 minutes.
Add garlic, thyme, and oregano; cook for another minute,
Add chopped celery and carrots and saute for 2-3 minutes. Coat the veggies with the flour and stir well. Cook another minute.
Add chicken broth, beans, ham, bay leaf, and parsley. Season with 1/2 tsp salt and 1/4 tsp white pepper.
Bring the soup to a boil, then reduce heat to medium-low, or to a simmer.
Simmer, uncovered, for 20-25 minutes, or until veggies are tender. Remove bay leaf and parsley.
Remove the pot from the heat and stir in sour cream or cream cheese.
Serve and enjoy!