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 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.

I will present my research at the Southern Economic Association’s 95th Annual Meeting in Tampa and the Southern Finance Association’s 65th Annual Meeting in Orlando - both scheduled in November.