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Software Application Developer – Loan Servicing & AI Enablement in Toronto. Join BMO’s tech team advancing loan servicing with AI.
Seeking experienced Java/Spring Boot developers for Loan IQ modernization and AI-enabled solutions.
Software Application Developer – Loan Servicing & AI Enablement
Location: Toronto, ON, CAN
Description: Application Deadline: 08/09/2026
Address: 100 King Street West
Job Family Group: Technology
Why Join Our Team
This role offers the opportunity to work on critical lending technology platforms while helping shape the future of Loan Servicing Technology through modernization, automation, cloud adoption, and AI innovation. You will work closely with business and technology partners to deliver solutions that improve operational efficiency, strengthen controls, and enhance client and employee experiences.
Summary
BMO's B2B Banking & Credit Technology team is seeking a Software Application Developer to join the Loan Servicing Technology team supporting Loan IQ and related lending platforms. The role is responsible for designing, developing, implementing, and supporting enterprise-scale applications that enable commercial lending and loan servicing operations.
The successful candidate will contribute to strategic technology initiatives including Loan IQ modernization, API and microservices development, workflow automation, cloud adoption, intelligent document processing, and AI-enabled solutions. This position combines strong software engineering capabilities with modern AI-assisted development practices to improve delivery efficiency, solution quality, and operational effectiveness.
Key Responsibilities
- Design, develop, test, and support enterprise applications and integrations.
- Build APIs, microservices, and automation solutions supporting Loan Servicing platforms.
- Participate in Loan IQ enhancements, modernization initiatives, and production support activities.
- Collaborate with Business Analysts, Operations, QA, Architecture, and DevOps teams throughout the SDLC.
- Troubleshoot and resolve production issues while driving continuous improvement initiatives.
- Leverage AI-assisted development tools to improve coding, testing, documentation, and delivery productivity.
- Contribute to workflow automation, intelligent document processing, and AI-enabled business solutions.
- Ensure solutions comply with security, risk, audit, and governance standards.
Required Qualifications
- 4–7 years of software development experience in enterprise environments.
- Strong Java and Spring Boot development experience.
- Experience with REST APIs, Microservices, and Application Integration.
- Strong Oracle SQL and relational database experience.
- Experience with CI/CD pipelines, Agile delivery, and DevOps practices.
- Experience with Kubernetes, Docker, OpenShift, or similar container platforms.
- Experience using AI-assisted engineering tools such as GitHub Copilot, Microsoft Copilot, or equivalent.
- Understanding of Generative AI concepts, prompt engineering, and AI-enabled software development practices.
- Knowledge of Responsible AI principles including security, privacy, governance, and risk management.
- Strong analytical, troubleshooting, communication, and collaboration skills.
Preferred Qualifications
- Loan IQ experience strongly preferred.
- Commercial lending, syndicated lending, or loan servicing experience.
- AWS cloud experience.
- Experience with Kafka, MQ, and event-driven architectures.
- Experience with workflow automation, intelligent document processing, or AI-enabled business solutions.
- Python development experience.
- Exposure to LLMs, Retrieval-Augmented Generation (RAG), or AI orchestration frameworks.
Salary :
$61,600.00 - $113,900.00
Pay Type:
Salaried
The above represents BMO Financial Group’s pay range and type.
Salaries will vary based on factors such as location, skills, experience, education, and qualifications for the role, and may include a commission structure. Salaries for part-time roles will be pro-rated based on number of hours regularly worked. For commission roles, the salary listed above represents BMO Financial Group’s expected target for the first year in this position.
BMO Financial Group’s total compensation package will vary based on the pay type of the position and may include performance-based incentives, discretionary bonuses, as well as other perks and rewards. BMO also offers health insurance, tuition reimbursement, accident and life insurance, and retirement savings plans. To view more details of our benefits, please visit: https://jobs.bmo.com/global/en/Total-Rewards
About Us
At BMO we are driven by a shared Purpose: Boldly Grow the Good in business and life. It calls on us to create lasting, positive change for our customers, our communities and our people. By working together, innovating and pushing boundaries, we transform lives and businesses, and power economic growth around the world.
As a member of the BMO team you are valued, respected and heard, and you have more ways to grow and make an impact. We strive to help you make an impact from day one – for yourself and our customers. We’ll support you with the tools and resources you need to reach new milestones, as you help our customers reach theirs. From in-depth training and coaching, to manager support and network-building opportunities, we’ll help you gain valuable experience, and broaden your skillset.
To find out more visit us at https://jobs.bmo.com/ca/en .
BMO is committed to an inclusive, equitable and accessible workplace. By learning from each other’s differences, we gain strength through our people and our perspectives. Accommodations are available on request for candidates taking part in all aspects of the selection process. To request accommodation, please contact your recruiter.
Note to Recruiters:
BMO does not accept unsolicited resumes from any source other than directly from a candidate. Any unsolicited resumes sent to BMO, directly or indirectly, will be considered BMO property. BMO will not pay a fee for any placement resulting from the receipt of an unsolicited resume. A recruiting agency must first have a valid, written and fully executed agency agreement contract for service to submit resumes.