Okay, let’s tackle this. So Rachel has a strong skillset in banking, with experience in commercial lending, credit analysis, and portfolio management. She’s also got a solid foundation in risk management and retail banking. Location is New Orleans, which is a major financial hub. According to industry benchmarks, professionals with her experience and skills in commercial banking can charge around $100-$200 per hour. Considering her expertise and location, I estimate her hourly rate to be around $125, which is slightly below the average but still reflective of her value proposition.