Hello, I am a PhD Candidate in the John E. Walker Department of Economics at Clemson University. I research financial institutions, community banking, and household finance, connecting these areas to industrial organization, urban economics and applied econometrics. Specifically my research focuses on studying credit accessibility of diverse urban communities. My job market paper studies the impact of closing urban community bank branches, Minority Depository Institutions (MDIs) in their local markets. I am on the 2025-2026 Job Market. You can find my CV here and contact me at: nrazzak[at]g.clemson.edu.