Senior Management

Elizabeth Karwowski, Founder and CEO

Elizabeth Karwowski was born and raised in Chicago, Illinois. Being first generation Polish and raised by immigrated parents, she has a great understanding of culture and ethnicity. This drives her to help all those that want to fulfill their American dreams of owning a home, business, providing a better life for their family, etc., a reality. Elizabeth Karwowski was formerly the President and CEO of Trust One Mortgage Corporation. After Graduating from Northern Illinois 13 University with honors, Elizabeth worked for Ernst & Young LLC and RSM McGladrey as part of the consulting team. She was awarded her PHR (Professional Human Resource) certification in 2000 by SHRM’s Human Resource Certification Institute (HRCI). Through this certification process and examination, Elizabeth mastered the complex human resource body of knowledge. After years’ in the corporate world, Elizabeth took her experience and became an independent consultant focusing on training, development and growth within organizations. She became a partner of a mortgage company and within two years started her own organization, Trust One Mortgage Corp. She had her brokerage license in the state of Illinois, Indiana and Florida. Additionally, she was approved and licensed under the Federal Housing Administration (FHA). In 2007, she took her passion of education into the credit remediation business. Elizabeth founded Get Credit Healthy (formerly known as Ms Credit Ed) as a consumer advocate organization to help individuals get back on the right path to credit health. She has obtained her FICO & Fair Credit Reporting Act certification. As a recognized credit expert, Elizabeth has been featured on NBC and Fox News, published in Scotsman’s Guide, Today’s Chicago Women and other print media.

Dan Oran, Vice President and Chief Financial Officer

Dan Oran was born, raised, and educated in Israel. In 1991, Dan immigrated to the United States where he found his niche as an investor and business owner and operator. He served in the Israeli Defense Forces and continually maintains strong ties to the nation and community of his birthplace. He remains an active philanthropic member of the community where he lives and where he grew up. Mr. Oran especially enjoys developing potential in people, art, and business opportunities. Traveling and exploring new cultures and opportunities throughout the world is one of Mr. Oran’s greatest passions. He visualizes the world as a global marketplace with untapped potential. Dan Oran possesses a unique ability to envision life as a blank canvas and create a vision of color, texture, and detail that generates sustainable income opportunities for anyone willing to work diligently. From his 27 years of experience, in various investments, he has developed extensive knowledge of finance, sales, cost management as well as negotiating skills. As a seasoned real estate investor, Mr. Oran owns and manages both commercial and residential properties both in the U.S. and abroad. Among his real estate operations, Mr. Oran established the McNab 7 Management Company, which manages and controls over 100,000 square feet of commercial property. Mr. Oran is currently majority shareholder, officer and director of Blackpoll Fleet International, Inc. (“BPOL”) and Profile Solutions, Inc. (“PSIQ”). Additionally, Mr. Oran is a Director of Nutra Pharma Corp. (“NPHC”)

Katya Zevallos, Vice President of Credit Services

Katya Zevallos obtained her FICO & Fair Credit Reporting Act certification. Katya has helped countless individuals restore their credit and reach their personal financial goals. She represents the heart and soul of Get Credit Healthy. Her personal connection and support for each of her clients is one of the very important differentiators that demonstrates world class customer service.

Michael Hammand, CSO

Michael Hammond is responsible for overseeing the daily operations and long-term strategic vision of NexLevel Advisors. A seasoned technology executive, Hammond brings close to two decades of leadership, management, marketing, sales and technical product and services experience. His expertise spans start-ups to multi-billion dollar corporations, running businesses, business units, marketing, sales, strategy and product and services organizations. Mr. Hammond brings exceptional insight, leadership, passion, and strategies that create revenue growth, and profitability. Hammond now dedicates himself exclusively to helping other businesses achieve extraordinary levels of success.

Shaun Spector, Compliance Manager

Shaun is a seasoned litigator who primarily focuses his efforts on resolving commercial disputes and fulfilling the transactional needs of his clients, such as contract drafting, negotiation, and compliance. Before establishing The Law Offices of Shaun Spector, Shaun served as in-house counsel for a financing company where he advised on matters of compliance and business development, in addition to overseeing all in-house litigation. Before that, Shaun worked as a commercial and general civil litigator at a medium-sized firm in Miami.

Advisory Team:

Marjorie Weber, Financial consultant SBDC/FIU

An award-winning mentor to the small business community of Miami Dade Author of numerous trade articles and manuals for small business enterprises Loan Intermediary – debt and equity – institutional and private placements. Certified SBA loan originator/processor Workshop Instructor for SCORE, Miami Bayside Foundation, SBA Emerging Leaders, ABCs to Grow, and Other NGOs Real Estate Appraiser Commercial Loan Underwriter. Specialties: Commercial Financing Consultant – SBA and Conventional Institutional Loans, NYU Graduate courses in Accounting and Real Estate Principals, American Institute of Appraiser – Completed MAI course requirements NASD Series 7 Licensee.

Stephen Romano, Executive Officer at BBMC & Bemortgage

Extensive expertise in the field of mortgage banking. Has ability to oversee a 75+-national branch footprint, 1200+-employee, private residential mortgage lender/national bank with $8+ billion in annual production levels. Extensive experience in the fulfillment, marketing, and secondary aspects of the industry. Specialties: Sales Management, Investor Relations, Business Development, National Recruiting. As Executive Vice President of Retail Lending at BBMC Mortgage, he is directly responsible for all loan production, office oversight, LPO financials, sales processes, growth initiatives and overall organizational development as an executive committee member. Prior to joining BBMC Mortgage, he was acting as an independent financial consultant for many industry players across the country. Before he was a financial consultant, he was the National Sales Director for Guaranteed Rate. There, he was responsible for managing a private residential mortgage lender with $7 billion in annual originations, consisting of 75 national branches, 550+ loan originators and 1,600 employees companywide. Prior to leading the Retail Division, I was instrumental in constructing and expanding their nation-wide Consumer Direct business to one of the largest platforms in the industry. He began mortgage career with Household Financial/HSBC, where he was a top loan officer and branch manager. He has over 14 years’ experience in the mortgage industry. Steve brings his unique ability to motivate, problem solve, retain and build a true team atmosphere through his ongoing relationships in the industry on a national level. He earned a BSBA from Le Moyne College in Syracuse, NY, receiving honors through my participation and leadership with the varsity lacrosse program.

Raj Chatterjea, chief financial officer and board member of a consumer services company and a medical device company

Raj presently is the chief financial officer and board member of a consumer services company and a medical device company. Previously, 10+ years in investment banking at Citigroup/Salomon Brothers and Dresdner Kleinwort/Wasserstein in New York, London, Asia and 5+ years corporate strategy at a NASDAQ technology company in New York. Raj got his MBA in Columbia Business School, BSc London School of Economics.

Jason Bressler: EVP, Chief Technology Officer at United Wholesale Mortgage

Excels at the management of the strategy and implementation of technology to increase information accessibility and integrated systems management, specializing in application development, team building, project management, cloud computing, enterprise network infrastructure, network security, software project development, data security, business continuity and disaster recovery planning, budgeting, operation centralization and all database structure and reporting.

Denis G. Kelly, Senior Vice President, Correspondent/National Wholesale of Sprout Mortgage

Denis G. Kelly is a leading banking, credit and identity theft prevention expert.

Michael DiCenso, Knowledge Capital/ Vision, Strategy, Practice Management

Mr, DiCenso possesses more than 30 years of senior executive leadership and accomplishments in the Institutional Retirement Plan, Investment Advisory, Wealth Management, Worksite, Life Insurance, Disability Insurance and Financial Services arena delivering ROI, revenue growth, increased margin and profitability.