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Nicholas Carpenter currently serves as the VP Commercial Relationship Manager at Vantage Bank Texas, a position held since January 2022. Prior to this role, Nicholas has extensive experience in credit analysis and review, holding various positions including Vice President Credit Review Officer, AVP Credit Review Officer, and AO Credit Review Officer at Inter National Bank from February 2015 to the present, and Credit Analyst at both Inter National Bank and Sonora Bank between 2011 and 2015. Nicholas started a career in the financial sector as a Student Financial Services Assistant at the University of Texas - Pan American and as a Customer Service Representative at Ticketmaster Entertainment. Nicholas holds a BBA in Finance from The University of Texas-Pan American and an Associate of Arts in Business Administration from South Texas College.