Okay, let’s tackle this. So Rosa Scharf has a strong background in finance, with skills like commercial lending, credit, and banking. She’s likely working in a mid-level role, possibly at a bank or financial institution. Location is Baltimore, MD, which is a mid-sized market. Finance professionals with her skills and experience in the US typically charge between $80–$150 per hour, depending on the location and industry. Considering the mid-level role and location, I’ll estimate around $120 per hour.