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Careers

Begin your career by becoming a part of the Winter Hill Bank organization. We look for candidates who want to be an important part of our institution, who want to build working relationships with co-workers and who are striving for a career path that will be challenging and rewarding.

Winter Hill Bank is a community bank and we are proud of our reputation as a successful financial institution. Every one of our employees plays a special role in our overall success which solidifies the fact that working together as a team means our efforts will continue to contribute to the success and growth of our organization which has been serving the community since 1906.

Our benefits package for full-time employees includes the following:

  • Blue Cross/Blue Shield Group Medical Insurance
  • Company Contribution to Health Reimbursement Account
  • Flexible Spending Account and Dependent Care Account
  • Blue Cross/Blue Shield Dental Blue Dental Insurance
  • Company paid Defined Benefit Pension Plan
  • Defined Contribution  401K Plan*
  • Vacation, Sick and Holiday Pay*
  • Company Paid Disability Insurance
  • Company Paid Life Insurance
  • Tuition Reimbursement Program
  • Premium Conversion Plan (Section 125)
  • Banking Services (Free or Reduced)*
  • Free Parking

*These benefits are available for eligible part-time employees

Please see below for current job openings

  • Loan Processor/Underwriter
  • Bank Tellers – Part Time

Loan Processor/Underwriter

Loan Center, 337 Broadway, Somerville, MA 02145

Responsibilities:

This position processes and underwrites 1-4 family real estate secured and consumer loans in conformance with regulatory requirements, and Bank, Secondary Market Investor & vendor guidelines, policies and procedures.

Job Duties:

  • Receives submitted loan applications from all origination conduits. Ensures application package is complete and accurate, including all initial disclosures.
  • Inputs loan application or reviews previously submitted loan application data in Bank’s Loan Origination software system (LOS) &, if/as applicable, vendor software, within designated time frame, to ensure accuracy & initiate application processing.
  • Audits loan file documentation to confirm appropriate & accurate receipt and completion of any/all application documentation including appropriate signatures, dates and other relevant data.
  • When/as appropriate, prepares required initial or amended disclosures within required time frame.
  • Orders flood certifications, appraisal reports, title requests & if/as appropriate, credit reports.
  • Obtains all verification forms as necessary.
  • Tracks and ensures receipt of required documents. Reviews all documentation, when/as received, to insure accuracy and completeness, & updates loan data in LOS & vendor software systems.
  • Communicates loan status’ and related documentation deficiencies to applicants & loan interviewer/originator.
  • Works with applicants to complete pre-closing process in order to assure a timely closing.
  • Obtains mortgage insurance certificates (delegated M.I.) or submits loan file data to private mortgage insurance company for underwriting consideration, when applicable.
  • Submits and coordinates pre-funding quality control if/as necessary.
  • Reviews and evaluates loan file information/documentation for both compliance & underwriting decision to either approve (within delegated loan authority) or to recommend approval, denial or counteroffer.       Ensures that the loan file is complete, accurate and in accordance with Bank and/or investor requirements.
  • Prepares & forwards loan commitments, denials and counteroffers, and all other written correspondence, including appraisal reports, to applicant. Forwards appropriate commitment/counteroffer correspondence to applicants, loan interviewer & (if not declined) closing attorney.
  • Tracks commitment to ensure that all pre-closing commitment conditions are satisfactorily met. Provides approving officer with exhibits for evaluation & sign off on all pre-closing conditions.
  • Serves as liaison with attorney relative to loan closing with respect to scheduling and final pre-closing exhibits.
  • Expands & maintains knowledge of regulatory, Bank, vendor, & Investor loan processing/underwriting guidelines, policies and procedures, and any/all compliance related considerations.
  • Resolves any post-closing quality control issues.

Other Responsibilities Include:

  • Answers mortgage loan telephone inquiries regarding current mortgage programs, rates and terms.
  • Performs related clerical and administrative duties as may be assigned or requested.
  • Assists VP/Lending with investor loan/lock registrations & wholesale lending functions, & researches any/all QC deficiencies.

Skills and Qualifications:

  • High school diploma
  • Two to three years experience in loan processing/underwriting
  • Good understanding of the Bank’s loan products and services
  • Must be very detail oriented and demonstrate organizational, analytical and customer service skills
  • Must have excellent verbal & written communication skills
  • Ability to utilize various types of office equipment, including computer terminals.

Winter Hill Bank
371 Summer Street
Somerville, MA 02144
Attention: Larry Gold
Fax number (617) 629-3318

Bank Tellers – Part Time

North Reading Office, 271 Main Street, Route 28, North Reading, MA 01864

Part-Time Hours: Thursday and Friday 4:00pm to 6:30pm, Saturday 8:00am to 1:30pm

Responsibilities:

This position performs a variety of customer service and related duties to provide service to the Bank’s customers in conformance with established Bank policies and operating procedures.

Job Duties:

  • Organize work station for day’s activities, e.g., inventory and request cash as needed; verify cash upon receipt; obtain necessary forms and other supplies.
  • Process a variety of customer transactions, e.g., deposits, withdrawals, mortgage payments etc. Cash checks within limits of established policy, verify amount, examine checks for endorsement and verify signatures and customer balances.
  • Enter customers’ transactions into computer to record transactions and issue computer generated receipts.
  • Place holds on accounts for various reasons such as uncollected funds, out of state checks, etc.
  • Sell money orders, treasurer’s checks, gift checks and other bank related products.   Process various payments.
  • Balance transactions and cash upon completion of assigned shift by comparing totaled amounts with data recorded on computer. Perform “after-hours” work, e.g., reconciling bank checks, money orders etc. and scanning daily work and Bank documents as needed.
  • Perform related customer service duties as requested. Discuss Bank Products and Services that will benefit the individual customer’s needs and respond to customers inquiries. Refer problems or concerns to supervisor for further action as needed.
  • May perform a variety of related clerical and/or support functions as assigned, i.e., routine correspondence, filing, typing, maintenance of records, data entry, back up to CSR where applicable and safe deposit box.
  • May provide assistance to Management Staff as needed.
  • May verify miscellaneous reports regarding customer accounts.
  • May provide services at drive-up window or branch offices as assigned.

This job description is not a contract for employment. The tasks stated are the general and ordinary duties of the position and may be subject to change at any time due to business needs, staffing issues, banking requirements, reasonable accommodation or other reasons.  From time to time other duties, both related and unrelated to your job description, may be assigned and, therefore, required and nothing in this job description restricts management’s right to assign or reassign duties and responsibilities to this job at any time.

Skills and Qualifications:

Qualified candidates must possess excellent communication, typing and computer skills along with a genuine desire to assist present and potential customers. Training program offered. Prior experience preferred.

Winter Hill Bank
371 Summer Street
Somerville, MA 02144
Attention: Christina O’Kane
Fax number (617) 629-3327

For general information regarding employment at Winter Hill Bank or to submit your resume please click on the “Contact Us” button below.

Christina S. O’Kane
Winter Hill Bank
371 Summer Street
Somerville, MA 02144
Phone 617.666.8600
Fax   617.629.3327

Winter Hill Bank is an equal opportunity employer – Minorities / Females / Disabled / Protected Veterans.

Physical/Work Conditions:
In the performance of respective tasks and duties, the employee is expected to successfully perform the essential functions of the position.  Reasonable employee accommodations for physical or mental disabilities will be considered on a case-by-case basis.  While performing duties the employee is required to sit, bend, walk, talk, hear, pull, push, lift up to 20 lbs., and may be required to work evenings and/or weekends, attend remote meetings and/or to travel.

Company Conformance:
In the performance of respective tasks and duties, the employee is expected to successfully perform quality work within deadlines with or without supervision, interact professionally with other employees, customers and vendors (if applicable); work independently as a team while understanding the necessity for communicating and coordinating work efforts with other employees and organizations and act in the Bank’s best interests.

Bank Secrecy Act:
In the performance of respective tasks and duties, the employee is expected to maintain knowledge of and ensure compliance with Bank Secrecy Act regulations and all other regulatory, security and bank policies and procedures.

Privacy:
All personal and financial customer information will be maintained in compliance with laws and regulations designed to secure that privacy.  It is expected that all bank employees will comply with the policies and procedures the bank has in place or face discipline up to and including termination of employment.