Okay, let’s calculate this. Andrew has a broad range of skills in banking, including risk management and credit analysis. His experience in retail banking and strategy is also valuable. However, his skills don’t seem to be in high-demand areas like investment banking or fintech. Location is Newport News, VA, which is a smaller market. According to national averages, entry-level bankers with similar skills can start at around $60,000 per year. As Andrew has more experience, his salary could be around $80,000-$100,000 per year. Considering his expertise and experience, I would estimate his hourly rate to be around $125, which is slightly above the average for a senior banking professional in this location.