Okay, let’s break this down. Deborah has 44 years of experience in banking, which is a long time. She has a strong background in commercial lending, SBA lending, and credit analysis. These skills are in demand, especially in Utah. According to the Bureau of Labor Statistics, the median annual salary for commercial and industrial lenders in the US is around $90,000. However, experienced professionals like Deborah can command higher rates. Let’s consider the industry average for loan officers in Utah, which is around $60,000 - $80,000 per year. Given her expertise and experience, I would estimate her hourly rate to be around $125, which is slightly above the industry average.