Hello, I am a PhD Candidate in the John E. Walker Department of Economics at Clemson University. I conduct research on financial insitutions, community banking and household finance with aligned interests in urban economics and applied econometrics. My research interests include studying credit accessibility of diverse urban communities. My current working paper studies the effect of Minority Depository Institutions’ branch closures in their local markets. I am on the 2025-2026 Job Market. You can find my CV here and contact me at: nrazzak@g.clemson.edu.

I will present my research at the Southern Economic Association’s 95th Annual Meeting in Tampa and the Southern Finance Association’s Annual Meeting in Orlando - both scheduled in November. I have also presented my research at the following conferences and seminars: Philadelphia Federal Reserve’s Mentoring and Advancing PhDs (PFMAP) Program, Carolina Region Empirical Economics Day, 2nd Women in Central Banking Workshop at the Federal Reserve Bank of Dallas, Southern Economic Associations 94th Meeting, Brown Bag Seminar at Supervisory Research and Analysis Unit at the Federal Reserve Bank of Boston, Fintech and Financial Institutions Research Conference at Federal Reserve Bank of Philadelphia.