Okay, let’s calculate Steve’s rate. He has 14 years of experience in banking, which is a strong foundation. His role as VP Commercial Loans at The Nashua Bank indicates a high level of responsibility. Skills like financial analysis, credit analysis, and portfolio management are in demand. Considering his experience, skills, and location (Nashua, New Hampshire), I estimate his hourly rate to be around $125. This falls within the range of $100–$150 per hour for banking professionals with similar experience and skills. Some industry benchmarks suggest that experienced bankers can charge higher rates, up to $200 per hour, but Steve’s role and location suggest a more modest estimate.