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Howard Baker began their career in 1987 as a Senior Examiner, Senior Analyst, Problem Case Officer, and Corporate Examiner at the National Credit Union Administration. Howard examined credit unions, reviewed exam reports, developed resolution plans for problem credit unions, and specialized in asset liability management, financial management, fraud detection, and compliance.

In 2000, Baker joined Security Service Federal Credit Union as an Executive Vice President & Chief Risk Officer. Howard held various roles within the organization, including Vice President, Strategic Projects, Senior Vice President, Chief of Staff, and Executive Vice President, Chief of Staff. As the Chief Risk Officer, Baker supported risk management activities across the credit union, serving as the primary liaison between executive management and the credit union's Board of Directors and regulatory agencies.

In 2016, Baker became the President & CEO of Greater TEXAS Federal Credit Union. The exact details of their role have not been provided.

Howard Baker completed their education by obtaining a Bachelor's Degree in Finance & Economics from Texas State University, where they attended from 1984 to 1986. Before that, they attended Texas A&M University from 1981 to 1983, but it is not specified whether they obtained a degree during that time. Howard'sfield of study at Texas A&M University was Accounting.