Interest rate risk is embedded in every balance sheet decision. We help institutions manage exposure without sacrificing margin or product flexibility.
ALM First provides end-to-end derivative advisory across interest rate hedging using swaps, futures, and options. Our strategies are tailored to each client’s balance sheet objectives, regulatory requirements, and hedge accounting needs. With proprietary technology and expert support, we reduce internal pre-hedging work, improve data integrity, and create meaningful time and cost efficiencies. We help protect margins without added complexity, backed by the expertise and training to satisfy auditors, examiners, and U.S. GAAP requirements. The result: institutions can confidently hold core, longer-duration assets while maintaining margin stability and a strong safety and soundness profile.
What We Provide
- Pre-hedge analysis including duration, cash flow, and fair value assessment
- Access to proprietary hedging tools that model pre- and post-hedge balance sheet & earnings impact
- Counterparty relationship establishment and ongoing management
- Unbiased, best-execution transaction processing
- Continuous monitoring, analysis, and reporting of hedge positions
- Hedge accounting implementation and ongoing support
- Stress testing and scenario analysis across rate environments
- Regulatory support, board reporting, and examiner readiness
- Internal team education and training on derivative programs
Why ALM First?
Most firms that offer hedging services also sell the products they recommend. We don’t.
ALM First operates as a fiduciary, fee-based advisory firm. Our only obligation is to you. No commissions. No finders’ fees. No conflicts of interest. Just strategy designed around your objectives, your regulatory requirements, and your financial reporting needs.
We cover the full derivatives and hedging lifecycle, from board education and regulatory application to counterparty negotiations, trade execution, hedge analytics, and audit-ready accounting reporting. Our technology and team of specialists reduce the internal lift required to run a hedging program, so your organization captures the benefit without the operational burden.
Analytics That Empower. Tools That Deliver.
Experience the power of smarter decision-making with our secure, web-based ecosystem. Designed for financial institutions, my.almfirst.com delivers rich data, advanced analytics, and intuitive dashboards—all in one place. Access on-demand tools to optimize strategies and drive stronger balance sheet performance.
