26-030 Loan Program Developmt, Underwriting, Administratn, Servicing & Compliance Monitoring Svcs

Agency:	City of Pensacola
State:	Florida
Type of Government:	State & Local
NAICS Category:	541611 - Administrative Management and General Management Consulting Services
Posted Date:	Apr 14, 2026
Due Date:	May 14, 2026
Original Source:	Please Login to View Page
Contact information:	Please Login to View Page
Bid Documents:	Please Login to View Page

Bid Title:	26-030 Loan Program Developmt, Underwriting, Administratn, Servicing & Compliance Monitoring Svcs
Category:	Requests for Qualifications (RFQ)
Status:	Open

Description:

The City of Pensacola is requesting sealed statements of interest and qualifications from financial institutions and/or firms experienced in providing financial and loan development and management, and compliance monitoring services for housing and community development programs for a five (5) year contract term with provisions for two (2) one-year extensions upon mutual agreement of the Consultant and City.

Publication Date/Time:

4/14/2026 8:00 am

Closing Date/Time:

5/14/2026 2:30 pm

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CITY OF PENSACOLA

REQUEST FOR QUALIFICATIONS

RFQ NO.: 26-030

LOAN PROGRAM DEVELOPMENT, UNDERWRITING, ADMINISTRATION,

SERVICING AND COMPLIANCE MONITORING SERVICES FOR HOUSING AND

COMMUNITY DEVELOPMENT PROGRAMS

The City of Pensacola is requesting sealed statements of interest and qualifications from

financial institutions and/or firms experienced in providing financial and loan

development and management, and compliance monitoring services for housing and

community development programs for a five (5) year contract term with provisions for

two (2) one-year extensions upon mutual agreement of the Consultant and City.

Sealed and complete hardcopy statements of interest and qualifications with original or

electronic signature and three (3) additional copies, plus one (1) complete

identical electronic copy (SINGLE PDF) on flash drive or CD, must be received no

later than, Monday, May 14, 2026, 2:30 P.M., Central time, at the following location.

City Hall (lobby)

222 West Main Street

Pensacola, Florida, 32502

Attention: Purchasing

The OUTER FACE of the sealed submittal package shall identify the respondent, the

RFQ title, and the RFQ number (whether hand-delivered, mailed, or via UPS/FedEx or

other courier service). Submittals received after the closing time will not be accepted.

Multiple submittals from the same entity will not be accepted. After the submittal deadline

those submittals received will be opened and publicly acknowledged. Interested parties

may attend.

Alternatively, electronic responses may be submitted to Demandstar or Central Bidding.

Both sites require registration and varying fees for notifications and document downloads.

Those submittals received will be opened and publicly read the following business day

(May 15, 2026, 10:00 A.M., Central time) via Microsoft Teams at the following link*:

Microsoft Teams RFQ Opening.

Specifications will be posted to the City’s website at

www.cityofpensacola.com/bids.aspx. Addenda will be posted to the City’s website.

Companies are responsible for obtaining addenda and are advised to check the

website frequently.

A tabulation of qualifications and/or a Notice of Intent to Award will be posted to the City’s

website at www.cityofpensacola.com/bids.aspx. Companies are advised to check the

website frequently.

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Any questions concerning the RFQ should include the Subject Line: RFQ # - RFI, and

should be addressed and submitted in writing no later than May 1, 2026, at 10:00 A.M.,

Central time, to:

Dedria Lunderman, Purchasing Manager

City Hall 6th Floor

222 West Main Street

Pensacola, Florida 32502

purchasing@cityofpensacola.com

The City of Pensacola adheres to the Americans with Disabilities Act and will make

reasonable accommodations for access to City services, programs, and activities.

Please email ADACoordinator@cityofpensacola.com or call (850) 436-5600. Requests

must be made at least 48 hours in advance of the event in order to allow the City time to

provide the requested services.

The City reserves the right to accept or reject any or all submittals, to waive any submittal

informalities and to re-advertise for submittals when deemed in the best interest of the

City.

Attest:

Ericka L. Burnett

City Clerk

CITY OF PENSACOLA

D. C. Reeves

Mayor

The City of Pensacola provides equal access in employment and public services.

*Participation in a Microsoft Teams meeting requires a microphone and

speakers; however, webcams are optional. Participants may join the

meeting either via a PC or Smartphone. Please be sure to check the

system requirements at the following link: Microsoft Teams System

Requirements Check.)

SECURITY NOTICE

Visitors to City Hall may be required to stay in the lobby unless otherwise

directed.

Late submittals will not be accepted.

FLORIDA GOVERNMENT IN THE SUNSHINE — PUBLIC RECORDS NOTICE

Pursuant to Section 286.011, Florida Statutes, all Evaluation Committee meetings

under this RFP are subject to Florida’s Government in the Sunshine Law — open to

the public, noticed in advance, and documented as public records. Each Committee

member shall sign a Sunshine Law acknowledgement prior to participating. All

notes, scoresheets, and written communications are public records under Chapter

119, Florida Statutes, and subject to disclosure. Members shall not communicate

privately with one another or with proposers outside of a duly noticed public meeting.

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SCHEDULE OF EVENTS (subject to change)

Date

April 14, 2026

Activity

Publish RFQ

May 1, 2026, 10:00 a.m.

Deadline for Questions

May 14, 2026, 2:30 p.m.

Submittal Deadline

May 15, 2026, 10:00 a.m.

RFQ Response(s) Opening

May 21, 2026, 11:00 a.m.

Evaluation Committee Meeting

Pensacola City Hall, 6th floor Conference room Distribution of Materials

222 W Main Street, Pensacola FL 32502

June 2, 2026, 2:00 p.m.

Pensacola City Hall, 1st floor Whibbs Room

222 W Main Street, Pensacola FL 32502

Evaluation Committee Meeting

Written Submittal Ranking/Shortlisting

June 17, 2026, 11:00 a.m.

Pensacola City Hall, 1st floor Whibbs Room

222 W Main Street, Pensacola FL 32502

Evaluation Committee Meeting

Oral Presentations / Recommendation

for Contract Award

Spring 2026

Summer 2026

All time are Central time.

Contract Award

Notice to Proceed

GENERAL INSTRUCTIONS

A. The City reserves the right to hear oral presentations. Companies responding to

the RFQ must be available for formal presentations/interviews to the Selection

Committee. These will be held in person at City Hall, 222 West Main Street,

Pensacola, FL 32502.

B. Submittals should respond to each item noted in the Submittal Format and

Evaluation Criteria in the order noted. Identify responses with the same paragraph

notation as this RFQ.

C. Submittals must be typed or printed. All corrections made by the respondent prior

to the opening must be initialed and dated by the respondent. No changes or

corrections will be allowed after submittals are opened.

D. The City of Pensacola is not liable for any costs incurred by any interested party

in responding to this RFQ.

E. By responding to this RFQ you are giving permission to the City to contact anyone

you name as an associate, client, sub-Consultant or reference to confirm

information provided.

F. No Contingency Fees: By responding to this solicitation, each Respondent

warrants that it has not and will not employ or retain any company or person, other

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than a bona fide employee working solely for the company, to solicit or secure an

agreement pursuant to this solicitation and that it has not and will not pay or agree

to pay any person, company, corporation, individual or company, other than a

bona fide employee working solely for the company, any fee, commission,

percentage, gift, or other consideration contingent upon or resulting from the

award or making of an agreement.

I. PURPOSE

The purpose of this RFQ is to identify multiple highly qualified financial institutions who

can provide financial management, underwriting, loan administration and compliance

oversight services for CRA and/or city approved programs.

Contracts offered through this RFQ process are intended to augment City of Pensacola

(City) staff in areas where additional financial expertise and work force are needed when

loan programs are made available. These contracts will allow the City to solicit proposals

directly from the Consultants selected through this RFQ process for individual loan

projects, or tasks, and to procure needed services without soliciting separate competitive

proposals for every project or task.

The City reserves the right to at any time solicit separate competitive proposals for any

and all projects or tasks, regardless of fee or value. Selection by the City as a financial

management Consultant does not guarantee that the Consultant will be called on a

regular basis during the contract term, nor does it guarantee a minimum level of

compensation with respect to volume of work or fees.

The City is seeking qualifications from highly competent and established financial

institutions and/or firms under this RFQ. It is anticipated that the City will enter into

contracts with multiple financial institutions for the scope of services as described herein.

Work will be assigned on as-needed continuing services contract basis.

II. SCOPE OF SERVICES

The City of Pensacola and its Community Redevelopment Agency (CRA) (collectively, the

“City”) offer housing and community development programs that include financial lending

components. To support the administration of these programs, the City is seeking to

engage qualified financial institutions and/or firms to perform financial and loan

development and management, underwriting, loan administration and servicing and

compliance monitoring services..

The selected institutions/firms will serve as an expert advisor to the city on the appropriate

processes needed to ensure the program(s) comply with all applicable financial

regulations and meet the City’s goals and objectives defined in each program’s

establishing documents.

Currently, the CRA is in the process of developing a Small Scale Affordable Housing

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Rental Program. See Exhibit A for sample program policy. Other programs which may

require such support services include commercial improvement programs and housing

programs.

The selected financial institutions/firms (“Consultants”) shall provide professional financial

services to support the City of Pensacola and its Community Redevelopment Agency

(CRA) in the implementation and ongoing management of loan programs developed by

the City and/or CRA. Services shall include, but are not limited to, the following:

1. Program Support and Consultation

1.1. Provide expert guidance to City and CRA staff on industry-standard lending

practices, financial regulations, and risk management protocols.

1.2. Assist in the development of loan program processes, eligibility criteria,

documentation requirements, and evaluation frameworks.

1.3. Recommend procedures to ensure compliance with all applicable federal, state,

and local financial regulations.

2. Loan Application Intake and Underwriting

2.1. Receive, review, and process loan applications submitted through City and/or

CRA programs.

2.2. Conduct comprehensive underwriting to assess applicant eligibility, financial

capacity, creditworthiness, and project feasibility.

2.3. Prepare underwriting reports with recommendations for approval, denial, or

conditional approval.

2.4. Verify documentation submitted by applicants, including financial statements,

tax returns, project budgets, and collateral information.

3. Loan Closing and Documentation

3.1. Prepare all required loan documents consistent with applicable lending

standards and program requirements.

3.2. Coordinate loan closings, including execution of agreements, promissory notes,

and security instruments.

3.3. Record and maintain all loan documents in accordance with regulatory and

program guidelines.

4. Loan Servicing and Administration

4.1. Establish and manage loan accounts, including payment processing, escrow

administration (if applicable), and tracking of outstanding balances.

4.2. Monitor borrower performance and compliance with loan terms.

4.3. Provide customer service to borrowers regarding payment schedules, account

status, and loan conditions.

4.4. Administer loan modifications, restructuring, or deferments when authorized by

the City or CRA.

5. Compliance Monitoring, Inspections and Reporting

5.1. Provide ongoing compliance oversight throughout the life of each loan to ensure

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This page summarizes the opportunity, including an overview and a preview of the attached documents.

* Disclaimer: This website provides information about bids, requests for proposals (RFPs), or requests for qualifications (RFQs) for convenience only and does not serve as an official public notice. Individuals who wish to respond to or inquire about bids, RFPs, or RFQs should contact the relevant government department directly.

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26-030 Loan Program Developmt, Underwriting, Administratn, Servicing & Compliance Monitoring Svcs

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