Builds on previous research Robust spreadsheet modelling techniques • design principles • modularity • quality controls and diagnostics • version control • formulae conventions • format conventions • logical thought. This list is complemented by additional skills including: • understanding and applying complex financial principles to models and demonstrating that experience • understanding the implications of risk and can model for this • ability to communicate and work with people from various business functions • ability to manage a project • capable of interpreting the results of the models and presenting them to a wide audience that includes bank, investors, senior staff and the public, and • bound by some code of ethics, which does not mean the modeller must have an accounting background but has followed some professional training route in the past. (Avon 2013, p. 447)