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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

Available Positions:

Vice President/ Compliance & BSA Officer

Operations Center, 371 Summer Street, Somerville, MA 02144

Position Summary:

Under the direction of the SVP Human Resources/Retail Operations and SVP/Chief Lending Officer serves as the Bank’s Vice President/Compliance & BSA Officer. This position will organize and direct the Bank’s Compliance Management System, BSA/AML/OFAC compliance, retail and lending compliance and oversee Security requirements under the Bank Protection Act, including ensuring established policies and procedures are followed in conformance with Bank objectives.

Primary Responsibilities:

  • Keeps informed relative to changes to compliance laws and regulations, secondary market investor underwriting, bank policies and procedures to insure that staff is informed and trained of same.
  • Serves as the Bank’s Compliance and BSA Officer; develops, administers and monitors programs that ensure the bank’s compliance with laws, regulations and rules governing operations and product offerings.
  • Oversees and ensures compliance of the Bank Secrecy Act (BSA) Program including the USA PATRIOT Act, Anti-Money Laundering (AML), Office of Foreign Asset Control (OFAC)/FinCEN, Customer Identification Procedures (CIP) laws and regulations. Compliance oversight includes timely submission of Suspicious Activity Reports, monitoring and tracking high-risk customers and accounts, managing required filings for Currency Transaction Reports (CTRs) and exemptions, submitting reports to the Board of Directors, and annual staff training. Interacts and advises branch and department personnel on all aspects of retail compliance, BSA/AML/OFAC and Security policies and procedures.
  • Oversees and ensures compliance for Expedited Funds Availability (Reg. CC), Privacy/GLBA/501B, Unlawful Internet Gambling Enforcement Act (Reg. GG), Electronic Funds Transfer Act (Reg. E), Truth in Savings (Reg. DD), ACH, Overdraft Protection Program, and Wire Transfers. Reviews, updates and implements clear and accurate disclosures and maintains appropriate policies and procedures.
  • Oversees and ensures compliance of all lending laws and regulations, including, but not limited to the Equal Credit Opportunity Act (Reg. B), Home Mortgage Disclosure Act (Reg. C), Fair Credit Reporting (Reg. V), Real Estate Settlement Procedures Act (Reg. X), and Truth in Lending (Reg. Z).
  • Prepares risk assessments on an ongoing basis and as needed when new products or services are introduced.
  • Responsible for regulatory Home Mortgage Disclosure Act (HMDA) reporting.
  • Serves as liaison and point of contact for independent auditors and federal regulatory examiners over areas of responsibility. Prepares the periodic audit/examination materials, reports, exhibits, item requests and responds to questions accordingly.
  • Administers online staff compliance training and ensures completion by staff within assigned due dates.
  • Reviews the Business Continuity Plan annually, to confirm it is up-to-date and accurate as it relates to areas of responsibility. Specifically, any changes to operational conditions and/or vendor.
  • Reviews, tests, and works with Operations staff, Core Processing vendor, Verafin and other critical vendors to establish compliance/operational changes relative to new retail products. Manages required compliance disclosure notifications for any new retail products and changes to present products when needed.
  • Reviews, tests, and works with Lending staff, Loan Origination vendor, and other critical vendors to establish compliance/operational changes relative to new loan products. Manages required compliance disclosure notifications for any new loan products and changes to present products when needed.
  • Evaluates new products and services. Conducts due diligence at inception and ongoing for compliance and as may be required by the Vendor Management Program, (VMP).
  • Coordinates and oversees the Bank’s Record Retention Policy and Program and ensures timely and secure destruction of bank documents.
  • Manages the customer complaint program through timely response coordination and identification of potential systemic issues that may arise.
  • Creates reports in the report writing software for various officers upon request and relative to data transmission to Verafin for reliable AML and Fraud alert generation purposes.
  • Reviews weekly access reports relative to the setting and disarming of alarms. Administers access to keys, combos, FOBs and adds/deletes users as needed.
  • Schedules annual testing of fire alarms (for all locations) which are sent to IT and stored in the VMP in the event of an emergency.
  • Monitors the bank-wide Exacq Vision Digital IP video surveillance system and documents and reports Security Incidents, as may be required.

 Other Responsibilities Include:

  • Participates in a various number of committees for the bank, such as the Information Technology Leadership Committee (ITLC) and the GLBA/Privacy Committee.
  • Performs related administrative duties as may be assigned or requested.

Education & Experience:

  • Bachelor of Science degree in Business Administration or Business Management
  • Five or more years in a Management position
  • Recognized relevant certification is desirable
  • Excellent organizational skills
  • Advanced knowledge of all Microsoft Office programs

Telephone Receptionist

Operations Center, 371 Summer Street, Somerville, MA 02144

Position Summary:

This position performs a variety of receptionist and clerical duties in conformance with established Bank policies and operating procedures.

Primary Responsibilities:

  • Performs duties as Telephone Receptionist by receiving and forwarding incoming telephone calls to appropriate parties. Assists customers with bank related issues.
  • Processes all incoming mail. Balances daily all payments processed and checks received. Logs returned mail items.
  • Indexes signature cards from all offices and compares to savings report to ensure all accounts are captured. Scans and indexes proxy cards.
  • Deluxe check orders – Review check order submissions or enter customer data for new check orders or reorders.
  • Prepares and mails account letters for customers on new deposit products and Certificates of Deposit.
  • Logs Consumer Checking Account Protection Authorization Forms.
  • Encodes and submits bonds via WebCapture.
  • Performs administrative duties such as typing, filing or routine clerical duties as may be assigned or requested by the Human Resources Assistant and/or other Operations staff.
  • Backup to Safe Deposit Box Department.
  • Prepares materials and refreshments for all office meetings for both internal and external groups meeting at the Operations Center and tracks expenditures for same.
  • Provides assistance on an as needed basis and assists with special projects as required.

Education & Experience:

  • High school diploma or equivalent.
  • Six months banking or receptionist experience.
  • Must have good communication and typing skills.
  • Ability to utilize various types of office equipment, including computer terminal.

Credit Analyst

Loan Center, 337 Broadway, Somerville, MA 02145

Position Summary:

Under the direction of the AVP/Sr. Credit Analyst, this position performs various financial and administrative duties in the Commercial Real Estate and Commercial Credit loan review function in conjunction and in conformance with the Bank’s Loan Review and Asset Classification policy and regulatory requirements.

Primary Responsibilities:

  • Assists in organizing and conducting the ongoing loan review of bank’s existing Commercial and Commercial RE. Portfolio.
  • Assists with the coordination of periodic outside third party loan review audits and regulatory exams.
  • Maintains active communication with assigned major borrowers. Tracks and requests Borrower/Property financial information to insure the banks timely receipt of Borrower/Property financials for annual loan review.
  • Requests updated financials and performs annual and interim reviews and analyzes financial statements, income tax returns and a supporting documentation on Commercial Loans and Commercial real estate borrowers to evaluate the ongoing financial condition of the borrower and property security.
  • Investigates and analyzes credit risks and recommends credit ratings in accordance with Bank policy and prepares written loan review. 
  • Document loan review conclusions clearly and concisely and communicate results to the AVP/ S Credit Analyst.
  • Assist in the preparation of credit related reports for presentation to the Senior Vice President/CLO and BOD.
  • Requests updated financials and appraisals for Construction loan term extension requests and prepare interim reviews.
  • Analyzes and identifies loans and loan relationships with aggregate balances less than the policy threshold be excluded from periodic reviews.

 Other Responsibilities Include:

  • Analyzes and summarizes new Commercial Real Estate and Commercial Loan credits as may be assigned or requested.

Education & Experience:

  • Bachelor’s degree in Finance or Accounting
  • Two years of relevant credit analysis experience in a commercial loan environment preferred
  • Demonstrated ability to write professional, comprehensive loan reviews, the ability to work independently and complete tasks on time
  • Must have excellent communication skills as well as strong financial analytical and organizational abilities
  • Proficient use of computers and technology required, PC Skills, and use of Microsoft Office Word, Excel and Power Point

Contact Information for posted positions

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 where job applicants will be treated fairly without regard to their race, color, religion, sex, sexual orientation, gender identity and national origin. 
EOE – Minorities/Females/Disabled/Protected Veterans.

Other Information:

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.

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.

A 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 the job description, may be assigned and, therefore, required and nothing in a job description restricts management’s right to assign or reassign duties and responsibilities at any time.