Okay, let’s tackle this. So Sharon has 40 years of experience in lending, which is a significant amount of time. Her role as VP Collections at Heartland Credit Union is also a high-level position. Skills like underwriting, credit risk management, and financial analysis are in demand. However, Sharon’s experience is mostly in a credit union setting, which may have different compensation standards compared to banks or other financial institutions. Location is Springfield, Illinois, which is a mid-sized city. Considering her experience, skills, and location, I would estimate her hourly rate to be around $75, which is on the lower end of the scale for a lending professional with her background.