Before founding Saw Mill in 1997, Howard was a founding partner of Chase Capital, Chase Manhattan Bank’s private equity investing group, which specialized in middle-market acquisitions, recapitalizations and growth investments. Prior to forming Chase Capital, Howard was a Managing Director in Chase’s Merchant Banking Group, providing equity as well as senior and subordinated debt to leveraged transactions. Howard’s professional career began in 1983 with the Leveraged Capital Group of Citibank, providing debt financing for leveraged transactions. He has a B.S. degree in Accounting from Binghamton University and an M.B.A. from the University of Chicago.

Howard is married with three children with whom he enjoys skiing. One of his other passions is wine. He has learned not to combine the two.