We are hiring an AI Engineer, Application Development!

Reporting To: Assistant Vice President IT, Application Development Full-Time/Part- Time: Full-time Posting Date: September 22, 2026 Office Location: 14.4 Toronto Great location! Steps away from the main public transit station Highly competitive compensation package which includes, base salary, bonus, benefits, and career advancement opportunities! ~*The AI Engineer reports to the AI Engineering Lead and works within First National’s Residential Underwriting Product Squad, accountable for designing, building, testing, and improving AI enabled mortgage workflows that enhance productivity, decision quality, policy adherence, and user experience. This is ahands onengineering role focused on agentic workflows, document and policy intelligence, retrieval augmented generation, deterministic rules and calculations, tool integration, human in the loop review, and measurable model quality.

Design and build AI enabled workflows for residential mortgage use cases, including document extraction, policy interpretation, retrieval augmented generation, summarization, tool calling, deterministic decision logic, calculations, exception handling, and human in the loop review.

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National business rules, underwriting policies, process steps, and edge cases into modular prompts, agents, retrieval pipelines, tools, services, and testable acceptance logic, in partnership with the Residential Underwriting Business SME and the Merlin Product Owner. Build on shared AI Factory services and approved patterns across Databricks and Azure, including governed data, Vector Search, model and prompt registries, evaluation harnesses, APIs, identity, logging, monitoring, and controlled access to model providers, and raise platform gaps to the AI Engineering Lead and the Technical Product Manager rather than building parallel platform components. Develop production quality code using Python, SQL,FastAPI, Git based workflows, automated tests, CI/CD, and modern engineering practices, and integrate AI services with Merlin, core mortgage systems, document repositories, data sources, and user facing applications through the interfaces and data contracts owned by the AI Data and Integration Engineer.





Create representative use case test cases and evaluation datasets to the methodology, acceptance thresholds, and quality standards set by the AI Quality and Evaluation Lead, and work with IT QA to analyze failure patterns and improve grounding, policy adherence, confidence, precision, recall, and exception routing. Implement safeguards for privacy, security, auditability, model and prompt versioning, observability, feedback capture, rollback, and cost control, following First National engineering and production readiness standards. Support UAT, parallel runs, defect triage, production releases, incident analysis, and ongoing monitoring, and rapidly address edge casesidentifiedthrough user feedback, evaluations, and operational telemetry.

Refactor partner delivered or prototype components into modular, documented, maintainable services, and contribute reusable prompts, tools, retrieval patterns, and lessons learned back to the AI Factory component catalog. Bachelor’s degree in computer science, engineering, data science,mathematicsora relateddiscipline. ~5 plus years of progressive software engineering, machine learning engineering, data engineering, applied AI, or related technology experience. ~ Hands on experience building production AI or generative AI solutions, including RAG, agentic workflows, document intelligence, prompt and tool design, model serving, evaluation, observability, and human in the loop controls. ~ Robust practical experience with Python, SQL, APIs, automated testing, Git based delivery, CI/CD, and cloud services.

Experience with Microsoft Azure, Databricks,MLflow, Vector Search, Azure OpenAI Service, or comparable platforms is strongly preferred. ~ Ability to combine probabilistic AI techniques with deterministic rules, calculations, validations, and workflow controls to meet business, policy, audit, and operational requirements. ~ Working knowledge of retrieval quality, prompt testing,



confidence scoring, error analysis, model and prompt drift, guardrails, red teaming, privacy, security, and cost optimization. ~ Experience collaborating with product owners, domain experts, full stack engineers, QA, security, data, and platform teams through design, UAT, production release, monitoring, and continuous improvement. ~ Experience in financial services, mortgage lending, lending operations, servicing, broker channels, third party partnerships, or regulated technology environments is preferred.

External: Engages implementation partners, cloud providers, data and AI platform providers, and specialist vendors on solution delivery, code and prompt quality, production readiness, and knowledge transfer to First National. Works day to day within anAIProductor AI PlatformSquad.

Working Environment and Physical Demands Analysis: Office environment Long periods of time in viewing a computer screen Multi-tasking may include speaking to customers on a telephone call while looking up information on a computer program. Why join First National?

Health Spending

Account, Maternity and Parental Leave Top Up) Extensive training programs to set our employees up for success Modern office environment conducive to collaboration Opportunities to give back to the communities and work through events focused on a variety of charities Ongoing social events throughout the year Founded in 1988, First National is one of Canada’s largest non-bank lenders. We provide residential mortgages exclusively through the mortgage broker channel and we are Canada’s largest commercial mortgage lender.

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National has been consistently recognized as a great place to work and we are proud that our employee engagement feedback is higher than our industry partners.

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Intelligence is not used in our recruitment or hiring process for this role.

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National is proud to be an equal opportunity employer and is committed to diversity and inclusion regardless of race, color, religion, national origin, age, gender identity, physical or mental disability, sexual orientation and any other category protected by law.

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National supports requests for accommodation from applicants with disabilities;

📌 Ai Engineer (Toronto)
🏢 First National Financial
📍 Toronto