Okay, let’s tackle this. So Kelly has skills in banking, strategic planning, and financial analysis, which are all in demand. She’s also got experience in commercial lending and credit analysis. Location is Tyler, Texas, which is a smaller market. According to national averages, banking professionals with these skills in smaller markets might charge lower rates. For example, according to the Bureau of Labor Statistics, the median annual salary for bank tellers in Texas is around $40,000, but more senior roles might average $80,000. Considering her skills and experience, I’d estimate her hourly rate to be around $125, which is lower than average for a banking professional in a larger market, but still reflective of her expertise.