Okay, let’s tackle this. So Joseph E. Dell, Jr has a strong background in banking, with skills like commercial lending, portfolio management, and strategic planning. He’s based in State College, PA, which is a smaller market. According to national averages, banking professionals with similar skills and experience can charge around $100-$200 per hour. Considering his education from Waynesburg University, a regional university, and his specific skills, I’d estimate his hourly rate to be around $125, which is slightly above average for a smaller market.