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 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 was raised and educated in Israel, moving to the United States in 1990. He has more than 27 years of experience as a successful business owner in the US and Israel with extensive knowledge of finances, sales and cost management skills. Mr. Oran is also seasoned Real Estate investor who own and manages both commercial and residential properties in South Florida and abroad. Since 2014 he has been the brand builder and consultant for Cybertec Group, a communications technology company. From 2008 through 2014 he owned and managed Aboulafia Since 1879, a manufacturer and distributor of electronics equipment. From 1999 through 2008, Mr. Oran owned and managed Lav Distributors, a distributor of electronics equipment. He will serve as an active Board member for Nutra Pharma with a focus on increasing the sales and distribution of Nyloxin® and Pet Pain-Away™.
Katya Zevallos is the Vice President of Credit Services at, Get Credit Healthy, a consumer advocate organization. She has 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.
Jose Lopez has been named Chief Operating Officer. His responsibilities will be to oversee staff and operations of Get Credit Healthy. An immigrant from Mexico in 1997, Jose will also spearhead the growth of the Latin and Spanish-speaking community. Jose believes that, “Everything is possible. You only need commitment and good attitude,” which is evident by his personal success after relocating to the United States. His past successes including starting a company from the ground up and within 6 months selling containers to one of the biggest furniture stores in the country. At one point as a Sales Director, Jose had close to 190 people under his wing at Service Corporation International and for the first time in the Company’s history achieved 100.5% of their quota, during one of the worst times in the United States (2008.) When he was asked to what he attributed his success, Jose said, “It’s all about my people. If you build the people, they will build the business.”
David Navarro has also joined the Get Credit Healthy team as the Vice President of Credit Solutions. David will oversee the sales growth. In addition, he will be building relationships with banks and lenders for GCH360, a B2B division of Get Credit Healthy that helps banks close more loans. His past experiences include Vice President of Client Services for Right Management, Sales Director for multinational technology firm, Country Manager for PDM, Inc., and Senior Practice Manager for Pitney Bowes Software Latin America.
Executive professional with 20+ years of experience in various C level roles in Sales, Sales Operations, logistics, service fulfillment, and IT. Founder of telecom startup in South Florida, grew company from 0 to $6 million in annual revenues over an 18-month period. Responsible for revenue and GP commitments to shareholders. Versed in startup and exponential growth requirements always maintaining fiduciary responsibility throughout the process. Involvement in the development stages from business plan, to funding, to staffing and execution of the plan. Effective communication and presentation skills with emphasis on revenue growth, gross profit, cost reductions, technology optimization and operational support.
Henry Rengifo is a computer and software engineer with a knowledge and strong understanding of administration. He manages, designs documents, and evaluates a variety of data based systems; performs complex technical, analytical and professional services involving program/member services, evaluation, database-driven websites, office operations support, and problem resolution. Responsible to install dozens of branches for many companies in Florida and out of the USA, now is our CIO.
Fabian Munoz – CFO Get Credit Healthy studied at Florida International University earning a degree in Accounting. For several years worked with companies such as Advanced Answers on Demand and Campus Management. Fabian has held various positions in the accounting department from GL manager all the way through VP of accounting.
Before devoting his work full time to Get Credit Healthy, Fabian Munoz founded M&M Consulting and Accounting, accounting firm dedicated to directing organizations towards new heights by providing Accounting Software, Business Consulting and Financial Statement Auditing along with various accounting related services
• Borges Distributors
• All Pets Emporium
• National Liquidators
• Imperial Industries
He enjoys working out, being outdoors and spending free time with family and friends.
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
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
Extensive expertise in the field of mortgage banking. 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
Raj Chatterjea MBA Columbia Business School, BSc London School of Economics, presently chief financial officer and board member of a consumer services company and a medical device company, previously 10+ years 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
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.