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Eric Bernard has extensive experience in credit risk management and commercial real estate, currently serving as Sr. Credit Risk Manager at Liberty Bank since May 2008. In this role, Eric oversees the quarterly allowance for credit losses calculation under the Current Expected Credit Loss (CECL) model, manages lending and other policies, and acts as Chief Environmental Officer. Prior to this position, Eric held the title of Vice President at Heritage Bank of Commerce from October 2003 to July 2007, focusing on commercial real estate. Eric holds a Bachelor of Science in Finance from Santa Clara University Leavey School of Business, earned between 1989 and 1994.