People
Senior Vice President
Chad Hunter has over 25 years of interest rate derivative and capital markets experience. At PCBB, Chad helps clients strategize, structure, and execute hedging solutions to mitigate interest rate ris...
SVP & Manager, Hedging Services
Femi Audifferen has over 23 years of banking and capital markets experience. At PCBB, Femi is currently Senior Vice President and Manager of Hedging Solutions. In that role, he helps clients strategiz...
SVP & Manager of Customer Success
Jim Nakagawa has over 30 years of experience in capital markets and banking. He specializes in fixed income (derivatives and cash) and in foreign exchange (spot, forward, hedging and investing strateg...
Vice President
Marian Mojab has over 17 years of banking and capital markets experience. At PCBB, Marian helps community financial institutions strategize, structure, and execute hedging solutions to mitigate intere...
Senior Vice President
Rob Sabo has over 20 years of experience in banking, advisory, derivatives, and financial and capital markets. In Rob’s role as a Hedging Specialist at PCBB, he helps clients to strategize, structure,...
Webpages
Mar 1, 2025
BLP protects community financial institutions from the risk of rising rates, with an interest rate hedge without any derivative implication.
Feb 28, 2025
Provide long-term, fixed-rates to your customers, while your institution receives a floating rate through our loan hedging solution, Borrowers Loan Protection (BLP).
Feb 20, 2025
We offer loan hedging tools that lenders can use to gain a competitive edge and meet your borrowers’ hedging needs.
Mar 1, 2025
We help community financial institutions maximize revenue, increase efficiency, and manage risk through a robust suite of competitive banking services such as Cash Management, Lending Solutions, Loan Hedging, International Banking, and Advisory Services (
Whitepapers
Oct 24, 2023
When borrowers seek the stability of a fixed-rate loan and your institution prefers a floating rate loan it creates a disconnect between the needs of your borrower and your CFI. So, what can you do to fix it? Develop a loan hedging strategy. We offer insights on how to select the right hedging program and develop your hedging strategy, and look at how hedging can help reduce volatility.
Case Studies
May 30, 2025
Prism Bank expanded into aircraft lending by partnering with PCBB and BLP, gaining a flexible, relationship-focused hedging team. This collaboration enabled Prism to confidently enter a new market and better serve its clients.
Jul 1, 2018
How PCBB helped a rural community bank compete with the big banks and win by helping them offer their customers long term fixed rates while getting a floating-rate asset on the books.
Webinars
Feb 13, 2020
In this webinar, we look at the benefits of generating upfront fee income through hedging and discuss how most loans, including those already on your books qualify.
BID Newsletters
Apr 15, 2025
With unpredictable interest rates and a changing financial market, loan-level hedging can help your CFI’s portfolio. We discuss how hedging benefits your portfolio and steps for finding the right hedging partner.
Feb 20, 2024
Economic indicators suggest that the Fed is likely to ease monetary policy by lowering the Federal Funds Rate at some point this year. We discuss what factors could influence the Fed’s decisions and how hedging strategies could benefit your CFI in this changing market.
Jan 17, 2024
A CFI’s bond portfolio can face serious risk when interest rates rise. Duration hedging can help moderate that risk, but many financial institutions don’t use it. We review the most common duration hedging strategies to consider for interest rate risk mitigation.
Aug 8, 2023
CRE developers and lenders are seeing a stressed landscape for their business, as predictions of workers returning to offices haven’t been fully realized. A forward rate lock hedge can help both sides of the lending transaction by fixing a rate on future loans.
Oct 10, 2024
Hedging can alleviate interest rate risk, but many financial institutions have qualms about using it. We explain common concerns bankers may have and discuss the benefits of dipping a toe in anyway.