Okay, let’s tackle this. So Mike Riordan has a strong background in commercial banking, with skills like commercial lending, financial analysis, and process improvement. Location is Lowell, MA, which is a smaller market. According to national averages, commercial bankers with similar experience and skills can charge around $100–$150 per hour. However, considering his expertise and experience, I'll estimate a rate on the higher side, around $125 per hour. This is slightly above the average for a commercial banker in a smaller market, but his skills and experience justify it.