Spicy Baked Black Bean Nachos

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Ingredients for 4-6 servings

SPICY BLACK BEAN MIXTURE
1 Tbsp olive oil
1 small onion
10oz. can petite diced tomatoes with green chiles
15oz. can black beans
½ tsp chipotle powder
½ tsp cumin
¼ tsp garlic powder
¼ tsp salt

NACHOS
8oz. sturdy corn tortilla chips
4oz. cheddar, shredded*
1 Roma tomato
1 jalapeño
⅓ cup pickled red onions
Handful cilantro
¼ cup sour cream