Okay, let’s tackle this. So Pat has 25 years of experience in banking, which is a significant amount. The fact that he’s a Branch Manager at a bank like NVE Bank adds to his credibility. Skills like small business lending are in demand, especially in the US. However, the rate I’m estimating is on the lower side due to the lack of specific information about his industry demand, location, or specific accomplishments. A more experienced professional in a similar role might charge higher rates. Considering his experience and role, I’m estimating an hourly rate of $150, which is a rough estimate and may not reflect his actual market value.