Final answer:
Zhi works in the area of financial markets and institutions, specifically evaluating and forecasting future financial and economic conditions in a bank's served communities. Therefore, the correct option is D.
Step-by-step explanation:
Zhi works in the area of financial markets and institutions. As mentioned in the question, Zhi was hired by a bank to evaluate and forecast future financial and economic conditions in the communities served by the bank. This falls under the purview of financial markets and institutions, where professionals analyze and make predictions about the performance of financial markets and the functioning of institutions like banks.