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Financial Risk Management

We work with the bank’s clients to help them manage market risks inherent in their business in order for them to focus on what they do best- run the business that they know so well. We take the time to get to know your company so we can customize solutions for hedging interest rate risk, commodity price risk, and changes in currency values. Our team members have on average 20 years of experience and expertise to share with our clients across various industries including global healthcare companies, commercial real estate developers, the energy sector, diversified manufacturing companies, and financial institutions.

  • Interest rate derivatives:
    swaps, options, and other products structured to meet your specific hedging objectives whether that is fixing or limiting interest expense on a loan, locking fixed rates for future funding, or creating floating rate exposure for fixed rate borrowings.

  • Currency risk management:
    solutions covering more than 50 currencies to minimize the negative impact of foreign exchange rate movements; spot, forward and FX swaps; plain vanilla and structured option transactions; cross-currency and foreign interest rate swaps; multi-currency accounts, deposits and loans. In addition, our solutions allow access to our proprietary Web-based trading system that allows you to conduct foreign currency transactions, such as buying and selling at real-time market rates, through a highly secure, encrypted connection.

  • Commodity derivatives:
    customizable, financially settled solutions to hedge exposure of both producers and consumers to various energy and metal commodities. Alternatives available include swaps, options and structured transactions.

Our geographically based team is situated in local markets to work directly with clients in each region. Our professionals work closely with you to develop cost-effective strategies designed to align company objectives with risk tolerance. This focused attention is backed by an integrated One Team approach that draws from the broad capabilities of our universal banking platform to help you successfully manage and build your business through all its stages of growth.