Black Bean Chowder

Name: Black Bean Chowder
Ingredients: 1 cup black beans, dried; 1 tablespoon olive oil; 1 cup red onion, diced; 1 1⁄2 tablespoons garlic, minced; 1 cup celery, diced; 1 cup red pepper, diced; 1 (6 ounce) ham steaks, trimmed and diced; 1 teaspoon cumin; 1 teaspoon coriander; 1⁄2 teaspoon thyme; 1⁄2 teaspoon oregano; 4 cups water; 3 envelopes oxo low-sodium instant chicken bouillon granules (makes 2.25 c bouillon); 1 cup old el peso chunky salsa; 1 ounce cheddar cheese, shredded; 1⁄2 cup low-fat sour cream