Okay, let’s tackle this. So Joan Durham has a mix of administrative and banking experience, but nothing that suggests a high level of technical expertise or a senior leadership role. Her skills are fairly standard for a banking professional, but she's based in a smaller town in Nebraska, which might limit her earning potential. Median salaries for banking professionals in the US range from $40,000 to over $100,000 depending on the role and location. Since Joan has some specialized skills like loan origination and credit, I'll estimate her hourly rate at the lower end of the range, around $35 per hour, considering she's in a smaller market.