Multi-reference heading lookup/match

[jlbox]

I need help with what I believe will be a nested lookup of some sort. Essentially I want to be able to match 2 existing criteria to a reference table of values and pull the corresponding heading for the value from that reference table. For example (cells delimited by commas):

TABLE 1 (my data)
-----------------------
NAME, SPECIALTY, SALARY, *WHAT I NEED*
Dr. smith, oncology, $200000, X1
Dr. jones, pediatrics, $100000, X2

REFERENCE TABLE (national data)
----------------------------------
SPECIALTY, 10th%, 25th%, 50th%,... etc
Oncology, $100000, $200000, etc, etc
Pediatrics, $50000, $75000, $100000, etc

The goal is to input a formula that references oncology and $200000 for Dr. Smith, goes to the reference table, and returns the corresponding % heading. In Dr. Smith's case the cell would display "25th%" and in Dr. Jone's case, "50th%."

I could be way off, but this is what I have so far:
INDEX(reference!$A$1:$C$3, MATCH(mydata!E5, reference!$A$2:$A$3, 0), MATCH(mydata!F5, reference!$A$1:$C$3, ????))))

This works if i hardcode the column number where ???? is. Problem is how do I get that to match my data, specialty, etc? I'm not a coder or an excel wiz, so I might be way off base. Help!!

 

[GlennUK]

This works if i hardcode the column number where ???? is.

But where the ???? is not a column number, it's a flag for Excel to use MATCH in an exact or non-exact way!?!?!

 

[jlbox]

Hey Glenn. I'm an idiot an posted the wrong formula yesterday. What I meant to do was:

INDEX(reference table, 1, INDEX(ref table, MATCH(Specialty name, first column reference table array, 0), MATCH(value, ????, ????)))

Where "1" is the header row
And the nested index is finding the row of the specialty and the column of salary value. That last match is tricky because it needs to match or find the closest value to the number specifically in that specialty row

Again I could be way off. Any suggestions?