Dr. Lubina Zaidi is an Assistant Professor of Finance in the Department of Accounting and Finance at Virginia State University. Dr. Zaidi is a research and result oriented educationalist with many years of academic and professional experience in the field of Finance and Banking. Her area of expertise interests include Credit Rating and Risk Management for Banks and financial institutions and have taught Financial Managerial Economics; Financial Economics; Finance; Risk Management; International Business in various reputed international Universities. Dr. Zaidi has made numerous contributions to the research field and is actively working for more valuable contribution in Risk Management.