Forward Deployed Engineer - CFA

Baker Hill builds commercial and small-business loan origination software used by banks and credit unions. We’re building our next-generation cash flow analysis product, and we need a Forward Deployed Engineer - Cash Flow Analysis (CFA) who can sit with bankers, understand how they actually spread and analyze C&I and complex CRE lending, and turn that into working AI-powered software.

You’ll embed with customers and design partners, build and deploy solutions in their real environments with their real documents, and carry what you learn back to our product and engineering teams. This role combines credit analyst fluency with hands-on technical skill. You can spread a rent roll and a borrowing base, and you can also ship code.

Essential Functions/Job Duties

• Embed with bank and credit union credit teams to observe, document, and improve how they spread financials, normalize statements, and calculate DSCR, global cash flow, and NOI-based metrics
• Build, configure, and deploy AI-assisted workflows for document extraction, statement classification, spreading, adjustments, and narrative generation, then tune them against real customer data
• Rapidly prototype solutions in the field (extraction pipelines, spreading templates, validation rules, integrations) and take the proven ones back to product and engineering for productization
• Own technical delivery for pilots and design partner implementations, from kickoff through production, including data mapping, integration with origination and core systems, and customer enablement
• Apply C&I expertise: working capital and borrowing base analysis, EBITDA normalization and add-backs, covenant testing, seasonality, concentration risk, and multi-entity operating companies
• Apply complex CRE expertise: rent roll and T-12 analysis, NOI normalization, stabilized vs. as-is underwriting, lease rollover and tenant concentration, construction and lease-up projections, owner-occupied vs. investor properties, and global cash flow across sponsor and guarantor portfolios
• Build evaluation harnesses that measure accuracy, explainability, and auditability against analyst-spread benchmarks, and report results to customers and internal teams
• Identify edge cases (complex ownership structures, cross-collateralized relationships, K-1 flows, messy scans) and turn them into test sets, feedback for the AI team, and product requirements
• Be the voice of the customer in roadmap discussions, with evidence from the field rather than opinion
• Support sales and client success with technical demos, proofs of concept, and credibility in front of credit officers and executives
• Stay current on credit policy, regulatory expectations, model risk management guidance, and competitive offerings

What Success Looks Like

• First 90 days: Learn our current CFA capabilities, architecture, and customers; shadow analysts end to end across C&I and CRE; ship a first working prototype against real customer documents
• 6 months: Lead one or more design partner pilots live in production, with a benchmark showing accuracy and analyst time saved
• 12 months: Field-proven AI capabilities folded into the core product, with a repeatable deployment playbook and satisfied reference customers

Who You Are

You’re a credit analyst who learned to code, or an engineer who learned to read a credit memo. You get energy from being in the room with the customer, you’re comfortable being handed a messy rent roll and a deadline, and you’re honest about where AI works, where it doesn’t, and where a banker will insist on checking the work.

Skills/Qualifications Required

Required

• BA/BS in Finance, Lending Operations, Business, Computer Science, Information Systems, or related field.
• 5+ years of hands-on experience spreading financial statements and performing cash flow analysis in a bank, credit union, or lending environment, or in a fintech role directly supporting those workflows
• Demonstrated specialization in both C&I and complex CRE underwriting
• Strong working knowledge of business and personal financial statements, tax returns, and cash flow methodologies (UCA, EBITDA-based, global cash flow, DSCR, NOI-based CRE analysis)
• Proficiency in at least one programming language (Python preferred) and comfort with SQL, APIs, JSON, and scripting for data transformation and integration
• Experience building or deploying software solutions in customer environments, such as implementation engineering, solutions engineering, technical consulting, or similar
• Strong communication skills with both bankers and engineers, and the ability to explain technical tradeoffs to a chief credit officer
• Willingness to travel to customer sites 50%
• One-hour SAFe overview; to be completed within the first 90 days of employment.

Preferred

• Hands-on experience with LLMs, prompt engineering, retrieval, intelligent document processing, or ML evaluation
• Experience with spreading software or loan origination and credit analysis platforms
• Familiarity with bank security, data privacy, and model risk management requirements
• Background in construction lending, SBA lending, or credit risk review
• Experience in fintech or banking software
• Formal credit training (RMA, credit analyst programs) or a degree in finance, accounting, computer science, or a related field
• A recognized AI or AI platform fundamentals credential; or to be completed within the first year of employment

STANDARD REQUIREMENT

Use AI responsibly and in alignment with policy, including ongoing learning, and incorporate AI into routine tasks such as drafting communications, summarizing meetings, and organizing information. As the organization’s AI champion, this role is additionally expected to model that standard visibly, help colleagues meet it, and surface policy questions and risks rather than working around them.

This role is expected onsite if candidates live near Carmel HC office. Candidates should expect to extensive travel to and from client sites. Candidates must be able to commit to 50% travel to be successful in this role.

Disclaimer:

The above statements are intended to describe the general nature and level of work being performed by individuals assigned to this position. They are not intended to be an exhaustive list of all responsibilities, duties, and skills required. Management reserves the right to assign or reassign duties and responsibilities to this position at any time as business needs evolve.