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Andrew J. Tracey has a strong background in commercial lending and credit analysis. Andrew J. began their career as a Student Assistant at The Center for Charter Schools in 2007, where they gained experience in fiscal performance and accountability. Andrew J. then moved on to Isabella Bank in 2009, where they worked as a Commercial Credit Analyst for two years before transitioning to Wolverine Bank, where they continued in the same role. In 2012, Andrew joined American Airlines Federal Credit Union as a Loan Officer before returning to Wolverine Bank as a Commercial Credit Analyst in 2011. Andrew J. then joined Team One Credit Union as a Commercial Loan Officer in 2014, where they worked until 2016. Andrew then joined Nicolet National Bank as an Assistant Vice President of Commercial Lending, where they worked until 2018 before being promoted to Vice President in the same division. Andrew J. is currently working as the Vice President of Commercial Lending at United Bankers' Bank, a position they have held since 2023.

Andrew J. Tracey earned their Master of Business Administration (MBA) degree in Management from Northwood University's DeVos Graduate School between 2011 and 2013. Before that, they pursued their Bachelor of Science in Business Administration (BSBA) with a focus on Finance at Central Michigan University from 2005 to 2009. In addition to their formal education, Tracey obtained two certifications as a Private Pilot. Andrew J. became a Private Pilot for Single Engine Sea with the Federal Aviation Administration in 2020, and earlier in 2006, they obtained their Private Pilot for Single Engine Land certification from the same institution.