Michael Mellusi

VP & ASST SEC, Commercial Banker
Mobile Phone

Office Information

Office Phone
360 W. Grand Ave
Escondido, CA 92025

Areas Served

San Diego county

Get to know me

As a First Citizens business banker, it’s important to invest in understanding your business, strategies and key objectives. A well established process and highly skilled team of specialists help me tailor solutions to fit you and your organizations needs. Clients appreciate our trusted partnership in planning for long-term success.

My career includes over 18 years in banking with the majority of that time spent in the Business Banking space. My focus has been working with clients in Commercial, Medical and Industrial spaces that are typically in the growth phase of the business cycle.

My wife, Theresa, and I have a full house with kids ranging in ages from Kindergarten to College. When not in the middle of a pandemic, our evenings are typically filled with youth sports and other school associated activities.

We love being part of our San Diego community. In addition to taking advantage of weekends at the beach or trips to the mountains or dessert, we try to spend quality time with family and friends when possible.

I invite you to connect with me on LinkedIn.

Our approach

At First Citizens, our Bankers view business relationships with you through a long-term lens. This aligns with our brand ethics, business philosophies and statement of purpose for building a long, lasting alliance. We make recommendations and decisions based on what’s best for your business and focus on your growth, expansion and success.

Management at First Citizens is regional, and we guide your accounts in the same manner—with regional support and authority. Our relationship management teams include inside and outside relationship managers, credit professionals and product specialists. Our consulting and business strategy services include industry change optimization, business process management and financial management processes.

We pride ourselves on working together to bring positive results to your business, as we see your vision come to fruition.

Industry Expertise

Healthcare and Medical


Make sense of the markets. We have our fingers on the pulse of economic growth, investor sentiment and valuation trends.
Start, grow and expand. Our industry knowledge helps you build a long-term approach for successful business strategies.
Check out the full range of commercial financing services offered by First Citizens Bank.