Okay, let’s calculate Bruce’s rate. He has a broad range of skills, including credit analysis, commercial banking, and portfolio management. These skills are in demand across various industries, particularly in commercial lending and real estate. Considering his experience and skills, I estimate his hourly rate to be around $125. This is slightly lower than average for a finance professional with similar skills, but it’s still a competitive rate for Tyler, Texas. Average rates for finance professionals in this location typically range from $100 to $200 per hour, so Bruce’s rate is at the lower end of the spectrum.