Okay, let’s tackle this. So Joel Faulk has 26 years of experience in lending and leadership, which is a significant amount. His role as Vice President of Lending at a credit union suggests he has a strong background in consumer and mortgage lending. Location is Newton, Alabama, which is a smaller market. However, considering his experience and expertise, I would estimate his hourly rate to be around $150. This is a conservative estimate, as top banking executives with similar experience can charge higher rates. For example, according to Glassdoor, average salaries for Vice Presidents of Lending in the US range from $100,000 to over $200,000 per year. Let’s assume a higher end of the spectrum, considering his experience and leadership role.