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Eric T. O'Toole has over 20 years of experience in the banking sector. Their most recent role is as the Executive Vice President and Chief Risk Officer at Beal Bank. Prior to this, they served as the Head of Risk Administration at United Community Bank, where they developed and led the enterprise risk framework and credit risk infrastructure. Eric T. also managed the model risk management functions and acted as the primary point of contact for regulatory bodies. Before that, they held various positions at TD Bank, including Senior Vice President, Market Commercial Credit Manager. Eric T. also worked at Regions Financial Corporation as Vice President, Special Assets Relationship Manager, and Middle Market CRE Relationship Manager. Eric T. began their career at BB&T as a Vice President in Commercial Relationship Management after completing the Management Development Associate program.

Eric T. O'Toole obtained their Bachelor's of Science in Business Administration with a double major in Finance & Banking and Computer Information Systems from Appalachian State University. Eric T. completed their undergraduate education from 1998 to 2002.

In 2003, Eric attended BB&T University and completed the Management Development Program.

Eric T. later pursued further education and attended the Graduate School of Banking at LSU from 2006 to 2008. The specific degree obtained and field of study during this time period are not provided.