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.

Date* august 2020 - until nowName of the
organization
:
PJSC
VTB
Bank
Position
: chief analyst of the publicly listed company Main
responsibilities
: - industry reviews
preparation
for the
bank
's
credit
strategy development; - conducting regular webinars on the transport industry for
bank
’s employees; - presentations for the
bank
's management; - public company activity assessing and preparing of comprehensive analytical materials; - proposal
preparation
to minimize
credit
risks when setting limits on holdings; - planning, task distribution and execution control for juniors.
Achievements
: 1) Development and implementation monitoring of a new methodology for setting indefinite limits. Business effects: - reduction the workload of
Credit
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
: Sberbank
PJSC
Position
: CLFI (
Credit
, Leveraged Finance & Investments) Main
responsibilities
: - reviewing
credit
applications from corporate
clients
(structuring a
credit
deal, the borrower financial condition
analysis
, collateral
analysis
), - investment projects
analysis
, economic efficiency indicators calculation, financial model
preparation
; -
credit
risk
analysis
and ways to determine their minimization; -
credit
term negotiation with the
clients
; - presentation
preparation
and
credit
deal protection at the
Bank
's
Credit
Committee; - forecasting the risks of debt non-repayment and taking measures to prevent them.
Achievements
: 1) 100%
credit
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
: Sberbank
PJSC
Position
: risk manager of the corporate underwriting department Main
responsibilities
: - financial and economic activity
analysis
, including investment
analysis
; - development of strategy for hedging transactions in financial markets; - cash flow model stress testing; -
credit
risks identification,
analysis
and assessment; - deal structure coordination, including a covenant package, making proposals for optimizing the deal structure; - participation in the
Credit
Committee.
Achievements
: 1) Consistently showed the best KPIs (number and quality of reviewed
credit
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
:
PJSC
Bank
Aleksandrovsky
Position
: client manager for working with legal entities Main
responsibilities
: - advising
clients
(banking products and service issues), - commercial proposals
preparation
, attracting new customers, - conducting telephone conversations and meetings with
clients
, - contract
preparation
and additional agreements.
Achievements
: 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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