Okay, let’s break this down. J Andrew Tarbox has a mix of skills in lending, credit, and portfolio management, which are in demand. He's working in Columbus, Ohio, which is a mid-sized market. Considering his experience in credit unions and consumer lending, his rate might be lower than those in larger financial institutions. Loan officers and credit specialists in similar roles in the US can charge between $50-$100 per hour, depending on experience and location. Given his skills and location, I estimate his hourly rate to be around $120, which is on the higher end of the range for a financial professional in this role.