Loan Portfolio Administrator

gardner-n-photo2014-70wNanci Gardner is a member of the loan administration team that is responsible for servicing FCLF's diverse portfolio of community and economic development loan programs. Ms. Gardner works with loan officers to prepare loan documents, oversee execution of loan and other documents, administer construction draw disbursements, review covenant compliance issues and maintain loan file documentation. She also provides overall credit review assistance and support to the entire lending team.

Ms. Gardner joined FCLF in 2014, with over 11 years of experience in banking with an emphasis on structuring, underwriting, and managing commercial loans. She also has special asset experience having managed a portfolio of workout loans and REO properties.

Ms. Gardner has a BSBA in Finance from the University of Central Florida.

"We consider FCLF a valued partner and strong advocates for low-income communities and families. We look forward to many more years of working together." – Jennifer Westerbeck, Vice President

US Bancorp CDC

"We are delighted to partner with you to serve those most in need in our communities." – Eileen S. Coogan, President & CEO

Allegany Franciscan Ministries

"The Fathers Table Foundation appreciates the services FCLF provides and the impact on the communities you serve. We believe in your organization and your mission." – Dan Gilardi, President

Fathers Table Foundation

"FCLF was instrumental in making this important project a reality, bringing us one step closer to ending chronic homelessness in Miami-Dade County." – Dr. Paul A. Ahr, President & CEO

Camillus House

"Without FCLF's support, we would not have been able to deliver the services our area so desperately needs. We look forward to a lifetime relationship." – Tom Griffin, CEO

The Transition House, Inc.

"Thank you to our friends at FCLF. Your staff has been patient and helpful. We'll make you proud!" – Bill Lazar, Executive Director

St. Johns Housing Partnership

"Our partnership with FCLF allows us to build an attractive, state of the art facility that patients, staff, and community will be proud of." – Bakari Burns, President-CEO

Orange Blossom Family Health

"We look forward to continuing our successful relationship with FCLF and working together to meet the needs of our communities." – Nancy Merolla, VP/CRA Officer

Florida Community Bank

“FCLF addresses local community needs, which aligns with our core values. We appreciate your commitment to our communities.” – Mellissa Slover-Athey, Comm Reinv Ofcr

CenterState Bank

"FCLF demonstrates a mission-oriented philosophy that is compatible and supportive, broadens our platform and deepens our portfolio of products and services." – Kent Adcock, CEO

Habitat for Humanity of Lake-Sumter

"FCLF staff shares our vision and commitment to serve needy families and provide a high quality education to all children." – Thomas Cole, Founder

Emma Jewel Charter Academy

"FCLF shows a clear strategy and demonstrated evidence of addressing prevalent community needs." – J. Reymundo Ocañas, Director, Corp Responsibility

BBVA Compass

"I recommend FCLF for attracting investment to the Florida Preservation Fund... I believe that says something about investor comfort." – Nancy Muller, Policy Director

Florida Housing Finance Corp.

"We commend the important work of your organization, are glad to support its efforts." – Beverly Dabney

JPMorgan Chase Foundation

"Cade Museum is proud to be partners with FCLF and JPMorgan Chase. Thanks to the NMTC Program, we will provide a transformative asset to our community." – Jennifer Denault, COO

Cade Museum for Creativity & Inventi…

"Aida Palms will be a lasting asset to the City of Lakeland. This revitalization wouldn't be possible without financing partners like FCLF." – Mitchell Rosenstein, Principal, Green Mills Group

Aida Palms

"We're thrilled to partner with FCLF to make our project a reality to serve generations of kids in our community." – Dawn Stanhope, President & CEO

Boys & Girls Clubs of Manatee County

"FCLF made it possible for us to provide many special needs and low-income students with the educational services that they need." – Charlotte Tollefson, Director & Founder

Woodlawn Community Academy

"Without the FCLF initial loan to purchase land, we might not have been able to move forward with farmworker housing." – Peter Routsis-Arroyo, CEO, Catholic Charities, Diocese of Venice

Casa San Juan Bosco

“The partnership with FCLF is very exciting for us – an essential component in providing greater access to fresh healthy food in downtown New Port Richey.” – Jeff Wright, Owner

Wright's Natural Market

FCLF Videos

View video testimonials from FCLF partners.
  • Florida Community Loan Fund and Orange Blossom Family Health, Bringing Healthcare to FL Communities
  • Florida Community Loan Fund and R.E.A.C.H. Strengthening Communities in South Florida
  • Florida Community Loan Fund helped Boys & Girls Clubs of Manatee County with New Markets Tax Credits
  • FCLF and Operation New Hope, Restoring Jacksonville’s Springfield Community
  • FCLF and SW Florida Collaboratory, Bringing Stability to a Fort Myers Neighborhood
  • FCLF and CDC of Tampa, Stability in East Tampa Neighborhoods
  • FCLF and The Transition House: Building Blocks for U.S. Veterans
  • FCLF and Wendover Housing: Building Blocks for An Aging Population
  • FCLF and CFHC: Building Blocks for Low Income Healthcare
  • FCLF, Reflecting on the Past, Shaping the Future
Our Vision Opportunity and dignity exist for every person and community in Florida.
Our Mission Our expertise and capital make projects successful and help organizations improve lives and communities.