Hello, I am Noara Razzak, a PhD Candidate in the John E. Walker Department of Economics at Clemson University. I conduct research on financial markets and community banking with aligned interests in industrial organization, urban economics and applied econometrics. My research interests include studying credit accessibility of racially diverse communities along with the institutional and geographical features of the credit markets that these communities can access. My current working paper studies the effect of Minority Depository Institutions’ branch closures in their local markets.

You can find my CV here and contact me at : nrazzak@g.clemson.edu. I will be on the 2025-2026 Job Market.

I have presented my research at the following conferences and seminars:

Philadelphia Federal Reserve’s Mentoring and Advancing PhDs (PFMAP) Program (Federal Reserve Bank of Philadelphia, PA), Carolina Region Empirical Economics Day (UNC Charlotte, NC), 2nd Women in Central Banking Workshop (Federal Reserve Bank of Dallas, TX), Southern Economic Association 94th Annual Meetings (Washington D.C); Brown Bag Seminar at Supervisory Research and Analysis Unit (Federal Reserve Bank of Boston, MA); Fintech and Financial Institutions Research Conference (Federal Reserve Bank of Philadelphia, PA); Southern Economic Association 95th Annual Meetings (Tampa, FL) and Southern Finance Association 2025 Annual Meeting (Orlando, FL) - both scheduled in November.