Okay, let’s tackle this. So James Cross has a mix of skills that are relevant to the financial industry. Consumer lending and loan portfolio analysis are in-demand areas, but the rate will depend on the industry average. According to data, financial professionals with similar skills in the US can charge around $50-$100 per hour. Considering his experience and skills, I’ll estimate his rate to be around $75 per hour, which is on the lower end of the range. However, this is a rough estimate and may vary based on specific circumstances.