Cheaper food is now available because of greater use of fertilizers and improved machinery. This improved production, however, can be harmful to individuals and the community. To what extent do you agree or disagree with this view? Discuss, including examples from your own knowledge and experience.

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Date* august 2020 - until nowName of the
organization
Use synonyms
:
PJSC
Use synonyms
VTB
Bank
Use synonyms
Position
Use synonyms
: chief analyst of the publicly listed company Main
responsibilities
Use synonyms
: - industry reviews
preparation
Use synonyms
for the
bank
Use synonyms
's
credit
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strategy development; - conducting regular webinars on the transport industry for
bank
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’s employees; - presentations for the
bank
Use synonyms
's management; - public company activity assessing and preparing of comprehensive analytical materials; - proposal
preparation
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to minimize
credit
Use synonyms
risks when setting limits on holdings; - planning, task distribution and execution control for juniors.
Achievements
Use synonyms
: 1) Development and implementation monitoring of a new methodology for setting indefinite limits. Business effects: - reduction the workload of
Credit
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committee members by 20%, - decision-making time reduction. 2) Fulfilling all KPIs, building trusting relationships with business, influencing their decisions within the process. july 2019 – august 2020 Name of the
organization
Use synonyms
: Sberbank
PJSC
Use synonyms
Position
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: CLFI (
Credit
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, Leveraged Finance & Investments) Main
responsibilities
Use synonyms
: - reviewing
credit
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applications from corporate
clients
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(structuring a
credit
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deal, the borrower financial condition
analysis
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, collateral
analysis
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), - investment projects
analysis
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, economic efficiency indicators calculation, financial model
preparation
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; -
credit
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risk
analysis
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and ways to determine their minimization; -
credit
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term negotiation with the
clients
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; - presentation
preparation
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and
credit
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deal protection at the
Bank
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's
Credit
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Committee; - forecasting the risks of debt non-repayment and taking measures to prevent them.
Achievements
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: 1) 100%
credit
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deals implementation with a positive decision and the absence of overdue debts in the portfolio; 2) Team spirit formation and team building. october 2012 – april 2019Name of the
organization
Use synonyms
: Sberbank
PJSC
Use synonyms
Position
Use synonyms
: risk manager of the corporate underwriting department Main
responsibilities
Use synonyms
: - financial and economic activity
analysis
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, including investment
analysis
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; - development of strategy for hedging transactions in financial markets; - cash flow model stress testing; -
credit
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risks identification,
analysis
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and assessment; - deal structure coordination, including a covenant package, making proposals for optimizing the deal structure; - participation in the
Credit
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Committee.
Achievements
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: 1) Consistently showed the best KPIs (number and quality of reviewed
credit
Use synonyms
deals): 30% above the average, I was trusted with the most complex and important deals, providing consultations to colleagues april 2011 – september 2012 Name of the
organization
Use synonyms
:
PJSC
Use synonyms
Bank
Use synonyms
Aleksandrovsky
Position
Use synonyms
: client manager for working with legal entities Main
responsibilities
Use synonyms
: - advising
clients
Use synonyms
(banking products and service issues), - commercial proposals
preparation
Use synonyms
, attracting new customers, - conducting telephone conversations and meetings with
clients
Use synonyms
, - contract
preparation
Use synonyms
and additional agreements.
Achievements
Use synonyms
: business plan regular implementation.
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Include an introduction and conclusion

A conclusion is essential for IELTS writing task 2. It is more important than most people realise. You will be penalised for missing a conclusion in your IELTS essay.

The easiest paragraph to write in an essay is the conclusion paragraph. This is because the paragraph mostly contains information that has already been presented in the essay – it is just the repetition of some information written in the introduction paragraph and supporting paragraphs.

The conclusion paragraph only has 3 sentences:

  • Summary
  • Restatement of thesis
  • Prediction or recommendation

Example:

To summarize, a robotic teacher does not have the necessary disciple to properly give instructions to students and actually works to retard the ability of a student to comprehend new lessons. Therefore, it is clear that the idea of running a classroom completely by a machine cannot be supported. After thorough analysis on this subject, it is predicted that the adverse effects of the debate over technology-driven teaching will always be greater than the positive effects, and because of this, classroom teachers will never be substituted for technology.

Start your conclusion with a linking phrase. Here are some examples:

  • In conclusion
  • To conclude
  • To summarize
  • Finally
  • In a nutshell
  • In general

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