Our team
Better people make better lending
We lend billions of dollars to commercial real estate projects every year. But it’s not just capital that distinguishes us. It’s the empowered nature of our workforce. Our advisors are experienced experts whose sole focus is to deliver financing
strategies that enable you to achieve greater success.
Our Better Lending culture – three decades in the making – is built on the skill that comes from pure mortgage lending. Because we start from a position of knowledge about you, your project, and your market, we can design solutions that
are fit for your purpose. And because accountability is in our nature, we meet our commitments.
Better by design, better by nature, better for you in every corner of the country.
Engelica Baluyot
Engelica is a member of:
Team Gidney and Barda
Associate Analyst, Commercial Financing
engelica.baluyot@firstnational.ca
416-204-5699
Attentive. Analytical. Efficient.
“I add value by bringing a high level of attention to detail to every project, ensuring information is clear, organized, and intuitive. I’m proactive about anticipating questions before they arise and helping find creative, practical solutions that support the customer’s goals.”
Engelica joined First National in 2024 and brings two years of experience in commercial financing and financial analysis to her role. She leverages her strong analytical skills and finance background to support origination teams with accurate, well-structured information that drives informed decisions. Engelica thrives on problem-solving and enjoys breaking down complex challenges into clear, actionable solutions. Her ability to deliver high-quality work quickly makes her a trusted resource for both internal teams and clients.
Before her current role, Engelica worked as an Analyst in Commercial Credit and Commercial Servicing at First National, preparing resources that supported sales teams and managing servicing processes. She also gained experience as a Finance Intern at Revera Canada Inc., where she created and monitored financial models for business cases. Engelica holds a Bachelor of Commerce in Economics from Toronto Metropolitan University.
When she’s not supporting First National clients, Engelica enjoys fitness classes, running, reading, and exploring new restaurants.