AI Engineer

First National Financial; Toronto; On-site; CAD 120,000 - 180,000; Full time

Benefits offered by this job

Competitive compensation

Benefits package

Career advancement opportunities

Transit-adjacent location

Job summary

First National Financial is seeking an AI Engineer to design, build, and optimize AI-enabled mortgage workflows within the Residential Underwriting Product Squad. You will implement document extraction, policy interpretation, RAG, and deterministic logic, integrating with Merlin and core mortgage systems.

The role emphasizes production-ready Python/SQL solutions, automated testing, CI/CD, and strong collaboration with product owners and data/platform teams to ensure policy adherence,

Qualifications

• Bachelor’s degree in computer science, engineering, data science, mathematics or related discipline.

Responsibilities

• 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.

Skills

Python

SQL

APIs

CI/CD

Git

RAG & prompts

Education

Bachelor's degree in CS/Engineering/Data Science/Math

Tools

Azure OpenAI Service

Databricks

MLflow

Vector Search

Job description

Posted Friday, August 21, 2026 at 4:00 a.m. | Expires Tuesday, September 22, 2026 at 3:59 a.m.

Reporting To:

Full-Time/Part- Time:

Full-time

Posting Date:

August 21, 2026

Closing Date:

September 21, 2026

Hours of Work:

8:30 a.m. – 5:00 p.m.

Grade:

Office Location:

14.4

Toronto

Great location! Steps away from the main public transit station

What we offer:

Highly competitive compensation package which includes, base salary, bonus, benefits, and career advancement opportunities!

*Eligibility for benefits is dependent on the terms of employment

The Opportunity:

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.

How you will contribute:

• 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.
• Translate First 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.

The experience you need:

• 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.
• Strong 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.

Relationships:

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.

Internal: Works day to day withinanAIProductor AI PlatformSquad.

Working Environment and Physical Demands Analysis:

• Periods of high volume with tight timelines
• Long periods of stationary position/sitting
• Prolonged periods of repetitive movement (i.e. using a keyboard and mouse)
• 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.
• Competitive Compensation
• Comprehensive benefits program (i.e., 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
• Supportive teamwork culture
• Opportunities to give back to the communities and work through events focused on a variety of charities
• Ongoing social events throughout the year

The team you’ll join:

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.

First 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.

We would like to thank all applications for their interest in this existing vacancy, but only candidates selected for an interview will be contacted.

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

First 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.

First National supports requests for accommodation from applicants with disabilities; please contact Human Resources at [e-mail] should you need an accommodation at any point in the recruitment process.