Lookup Column Title Using 2 Variables

Howdy, i've been having trouble working out a formula to solve my current problem, hoped you folks could help.

I have one sheet where i have a list of names, including their specialty and their income.

John Doe

Allergy/Immunology

195000

on another sheet is a benchmark which lists specialties and incomes by percentile(like the following)

Specialties	10 % tile	11 % tile	12 % tile
Allergy/Immunology	189,971.17	194,055.58	196,723.75
Anesthesiology	291,422.18	299,998.40	303,869.23

What I would like to do is have a formula that produces an individual's pay percentile (column title). Specialties match exactly, but the incomes don't - (i'm fine with the nearest below or above) and ultimately returning the doc's percentile score - so '11 % tile' or '12 % tile' as the output for john doe.

John Doe

11 % tile

any help/advice you can provide would be appreciated!

Thanks