Okay, let’s calculate Deniece’s rate. She has 15 years of experience in banking, which is a significant amount of time. Her skills include small business lending, consumer lending, and commercial lending, which are all in demand. She also has a Bachelor’s degree from Dillard University, which adds to her credibility. Considering her experience and education, I would estimate her hourly rate to be around $125. This is slightly below the average rate for a banking professional with similar experience, but it's still a competitive rate. Some banking professionals with similar experience might charge $150-$200 per hour, but Deniece's background in lending and credit analysis brings her rate down a notch.