Okay, let’s break it down. Denice has experience in financial accounting, valuation, and mortgage lending, which are all in-demand skills. She also has a background in construction management and budgeting, which suggests she can handle complex financial analysis. As a risk manager, her salary would likely be on the lower side of the scale, but her skills and experience still warrant a competitive rate. Considering the location is Schenectady, New York, which is not a major financial hub, I'll estimate her rate at the lower end of the scale. A risk management professional with her experience and skills could charge around $125 per hour, which is slightly below the national average for financial analysts and risk managers.