Restaurant Style Nachos

This is my attempt at recreating my favorite restaurant nachos. They're yummy, but probably a calorie splurge.

Restaurant Style Nachos

1 bag tortilla chips
1 31 oz can fat free refried beans
1 15 oz can black beans, drained and rinsed
1 tsp chili powder
1 tsp cumin
1 tsp cilantro
dash crushed red pepper (optional)
1 large green pepper, diced
4 roma tomatoes, diced
1 small red onion, diced
1 can black olives, chopped
4 cups shredded cheese (colbyjack is nice as is pepper jack but almost anything will work)

Preheat oven to 350. In large pan, combine refried beans, black beans, chili powder, cumin, cilantro and red pepper. Heat through. Line the bottom of a lasagna pan with tortilla chips. Spread 1/2 bean mixture over chips. Top with 1/2 veggies and 1/2 cheese. Repeat. Bake for 20 minutes or till cheese is melted and nachos are heated through.