Okay, let’s tackle this. So John Cowley has a strong background in sales, lending, and management, which are in demand in the banking industry. His experience in credit analysis and sales operations also adds value. Location is Spokane, Washington, which is a mid-sized market. According to national averages, banking professionals with his level of experience and skills can charge around $100-$150 per hour. Considering the local market and his specific skills, I estimate his hourly rate to be around $125.