Contact our Team

Our Story Victory Bank

Management Team

Joseph W. Major
Chairman & CEO
jmajor@thevictorybank.com
NMLS#865489

Richard L. Graver
President & Chief Lending Officer
rgraver@thevictorybank.com
NMLS#865488

Robert H. Schultz, CPA
Chief Financial Officer & Chief Operating Officer
rschultz@thevictorybank.com

Eric B. Offner
Executive Vice President & Chief Credit Officer
eoffner@thevictorybank.com
NMLS#865487

Saul S. Rivkin
Vice President & Chief Retail Officer
srivkin@thevictorybank.com
NMLS#218415

Commercial Relationship Managers

Joseph D. Bergquist
Commercial Relationship Manager, VP
jbergquist@thevictorybank.com

Tony D’Antonio
Commercial Relationship Manager, SVP
tdantonio@thevictorybank.com

Alex Kroll
Commercial Relationship Manager, SVP
akroll@thevictorybank.com

Banking Center Team

Roxanne Raymond
Banking Center Branch Manager
rraymond@thevictorybank.com

Daniel Caycedo
Banking Center Assistant Manager
Dcaycedo@thevictorybank.com

Mary Locricchio
Banking Center Representative
mlocricchio@thevictorybank.com
NMLS#865486

Jennifer Gilbert
Banking Center Representative
jgilbert@thevictorybank.com

Credit Administration Team

Deborah Lee
Vice President – Credit Department Manager
dalee@thevictorybank.com

Matthew Melcher
Credit Analyst
mmelcher@thevictorybank.com

Operations & Administrative Team

Donna Colella
Operations Manager
dcolella@thevictorybank.com

Noreen Cobourn
Loan Operations Manager
ncobourn@thevictorybank.com

Pam Havrilla
Loan Process Manager
phavrilla@thevictorybank.com

Shelly Stockmal
Executive Assistant
sstockmal@thevictorybank.com

Leslie Unger
Administrative Assistant
lunger@thevictorybank.com

Dennis Zielinksi
Compliance and Security Officer
dzielinski@thevictorybank.com

Christine Gray
Staff Accountant
cgray@thevictorybank.com

Business Development Team

Noel Billingsley
Business Development Officer, VP
nbillingsley@thevictorybank.com

James C. Phillips
Business Development Officer
jphillips@thevictorybank.com

Vince Raffeo
Business Development
vraffeo@thevictorybank.com