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Nicole Kreutz has extensive experience in the banking industry, starting their career in 2007 as a VP/Relationship Manager at County Commerce Bank. In this role, they managed a loan portfolio primarily consisting of commercial clients and prepared credit recommendations for presentation to the loan committee.

In 2016, Nicole joined Citizens Business Bank as a VP/Center Manager, where they led the center's sales and service efforts and was responsible for supervisory responsibilities. After a year, they transitioned to the role of VP/Credit Officer, where they analyzed financial information to determine the advisability of granting credit for different types of loans.

Currently, Nicole is working at Montecito Bank & Trust as a VP, Senior Portfolio Manager since 2023. In this position, they ensure the ongoing soundness of the portfolio through diligent monitoring of credit performance and underwrites and structures credit requests for new and existing loans. Nicole also writes clear and concise credit write-ups that highlight key information and areas of risk in the credit.

Overall, Nicole's work experience showcases a strong background in credit analysis, loan management, and leadership positions within the banking industry.

Nicole Kreutz received their Bachelor's Degree in Business from California State University Channel Islands, which they completed from 2006 to 2009. Following this, they pursued their Master of Business Administration (MBA) from California Lutheran University, where they studied from 2010 to 2012. Lastly, in 2014 to 2016, Nicole attended the Graduate School of Banking at Colorado, although no specific degree or field of study is mentioned for this period.