Cem Soner is a Doctoral Researcher and Instructor at Bangor Business School and his research focuses on bank lending, small business lending, economic shocks, and regional inequalities. Previously, he was working in the international development sector as a consultant. He obtained his bachelor's degree in economics from Bilkent University (Turkey) and master's degree in corporate finance from SDA Bocconi (Italy). He has also completed all three levels of Chartered Financial Analyst (CFA) program.