Mr. James Joel Gunen is an esteemed professional in the field of Economics, currently serving in the department of Economics at Rex Christus College in Abuja, Nigeria. He holds a Master of Science degree in Economics, reflecting his commitment to academic excellence and expertise in the subject. With expertise in Economic Cybersecurity, Microeconomics, Macroeconomics, Environmental Economics, Financial Economics, and Energy Economics, I focus on the impact of credit risk pricing on commercial banks’ loan performance in Nigeria and the role of bank lending in small and medium enterprise development. I have extensive work experience, including customer care roles at Communications Network Support Services Limited and Caranda Management Services Nigeria Ltd. In teaching, I’ve led Rex Christi’s College as Head of Commercial Department and served as Senior Economics Teacher at Jewel Model School, achieving 95% success rates in exams. My leadership experience includes heading extracurricular activities and mentoring students.