Many would say that an executive-level career in
the financial services industry is becoming more
difficult. What energizes you to continue to stay
the course every day?
If you don’t love this business, you can begin to
feel overwhelmed by the regulatory challenges. The
main thing I do every day is focus on moving forward.
CEO, JMAC Lending
I try to embrace the changes, because, to go against
the changes is not a good use of energy. Embracing
the change makes it positive and allows you to move
What are the three things you think about if you
awaken at 3 a.m.?
First, I think about my life! I have been in this business for a long time, and I always think about what is
going to happen next. I think about the company and
what I should do to make things better. Have I missed
any opportunities? Sometimes I call myself and leave a
voicemail about something I want to address the next
day. I find that the best thing for me is to get a good
night’s sleep. If I don’t, I find it more difficult the next
day to focus. I need a whole night’s sleep!
What was your first job, and, what was your first
job in financial services if that is different?
I started out as a teller for a bank for about a year,
and then I moved into a management position on the
retail side of the bank. After a time, I was approached
with an opportunity to work for a title company as
a title representative, and I did that for a number of
years and learned about the mortgage business. I had
always wanted to be a mortgage banker. I’m Asian,
and, back in 1994, there was no significant Asian
representation in the mortgage industry. First, I was
a wholesale representative for a lender for about six
months. In 1994, I opened my first mortgage company
which was a partnership. I incorporated JMAC in 2007
and used the first letter of each of my four children’s
names to create the name ‘JMAC,’ so, that means a lot