Field AI Engineer — Bank Cash Flow Analysis

Baker-Hill-Solutions; Carmel (IN); On-site; USD 140,000 - 180,000; Full time

Job summary

Baker Hill is seeking a Forward Deployed Engineer – Cash Flow Analysis (CFA) to sit with bankers, understand how they spread and analyze C&I and CRE lending, and turn that into AI-powered software.

You’ll embed with customers in real environments, build and deploy solutions, and bring what you learn back to our product and engineering teams. The role blends credit analysis with hands-on coding and travels to client sites as needed.

Qualifications

• 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%.

Responsibilities

• 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.

Skills

Python

SQL

APIs

JSON

Strong communication skills

Willingness to travel

Education

BA/BS in Finance, Lending Operations, Business, CS, IS, or related field

Tools

Python

SQL

APIs

Job description

Baker Hill is seeking a Forward Deployed Engineer – Cash Flow Analysis (CFA) to sit with bankers, understand how they spread and analyze C&I and CRE lending, and turn that into AI-powered software.

You’ll embed with customers in real environments, build and deploy solutions, and bring what you learn back to our product and engineering teams. The role blends credit analysis with hands-on coding and travels to client sites as needed.