Board

Mr. Cobb, a native Pensacolian, retired as President of Whitney National Bank and has over 35 years of experience in banking and finance. He earned his undergraduate degree in accounting from Florida State University and is a graduate of the Banking Graduate School of South Louisiana University. He is a member of the National Association of Local Housing Finance Agencies, the Florida Association of Local Housing Finance Authorities, as well as a board member of the AMR Community Development Corporation and a member of the Pensacola North Rotary Club. Mr. Cobb is married and has four children and is an avid traveler.

Mr. Jernigan is a Partner with Bay Design Associates Architects, and has practiced in the Pensacola area since 1981.  He is a graduate of Auburn University with degrees in Environmental Design and Architecture, is licensed to practice Architecture in 5 states, and as well as being licensed  as an Interior Designer, LEED Accredited Professional, and Florida Special Inspector for threshold buildings.  His firm concentrates on commercial, educational and healthcare design.  Mr. Jernigan has served on a number of community and professional organizations such as the American Institute of Architects (serving as state president in 2009), Committee for a Sustainable Emerald Coast, Committee of 100, Leadership Pensacola and many others.  He has a particular interest in affordable and sustainable housing design. 

Mr. Ward is a Civil Engineer with Southern Land Concepts, a firm he founded in 1976. Mr. Ward attended Pensacola Junior College and the University of South Alabama earning a B.S. in Civil Engineering. He is a licensed engineer in Alabama, Mississippi and Florida as well as a licensed surveyor in Alabama and Florida. He is a member of the National Association of Local Housing Finance Agencies, the Florida Association of Local Housing Finance Authorities, the Pensacola North Rotary Club, the Alabama Society of Professional Land Surveyors and the Alabama Pecan Growers Association. Mr. Ward is a native of Pensacola and has two children.

Ms. Ward, a native of Chicago, has called Pensacola home for over thirty years. A real estate broker since 1980, Ms. Ward created her own company in 1984. In addition to being a Certified Commercial Investment Member (CCIM), holding the designation of Community Association Management, she is also listed in Who's Who in International Business. She has been a member of the Pensacola Downtown Improvement Board since 1991, serving as Chairman in 1997 and 1998. Professionally, she has been very active with the local and state Realtor's associations. She was chosen Realtor of the Year in 1993, and served as president of the Pensacola Association of Realtors in 1999. She served as Chairman of the Florida Association of Realtors' Property Management Council and as Vice President of the Association's District 9 in 2001. Ms. Ward is also a member of both the National Association of Local Housing Finance Agencies and the Florida Association of Local Housing Finance Authorities. She is the mother of four children.