My name is Tran Lan Phuong (Phoebe Tran). I am a Master Degree holder in Banking and Finance from the University of Nottingham (UoN), United Kingdom. I decided to study the Master course in Nottingham University since the closer practical approach to analyse banking and finance issues in proficient technical way. I, therefore, possess advanced statistical knowledge, structural equation techniques as well as the ability to analyse and present the result clearly and concisely. This has been showcased in my MSc. Dissertation which discussed thoroughly the behaviour of bank managers in provisioning loans, its consequence and potential solutions in practical. That study was scored with the highest mark among the Business school 2014-2015 (88/100). As a result of my achievement, I have been highly recommended for Ph.D. scholarships by my supervisor. However, I have refused this amazing offer in pursuit of my desire to obtain further working experience in the industry.