Okay, so Dino has a strong skill set in commercial banking, including lending, underwriting, and financial analysis. He's based in San Diego, which is a major financial hub. Commercial banking professionals with similar experience and skills can earn around $125-$175 per hour. Considering the cost of living in San Diego, I'll estimate his rate at the lower end of this range. Some commercial bankers in the area might charge higher rates, but this seems a reasonable estimate based on national benchmarks and the local economy.