Our Team

"As we move toward our goal of being the premier cash flow analysis provider, we continually strive to uphold the traditions of banking while erasing the inefficiencies of current methods"


John C. Howell


John Howell has been involved in banking for 15 years since graduating from Lyon College with a degree in Economics where he played basketball on a scholarship for 4 years.  His path was laid with legendary Arkansas banker Dan Horton while at First National Bank in Hot Springs.  In 2008 he graduated with a MBA from John Brown University which propelled his career to not only SVP of Commercial Lending at First Western Bank but OREO manager during the economic downturn.  He learned many valuable lessons during these 3 tough years and helped remove the bank from a letter from the regulators. Total assets managed, both performing and non-performing was over $55 Million.


In 2013 he was offered the position of Market President for Delta Trust and Bank in Northwest Arkansas.  He enjoyed this management opportunity and continued to hone his skills as a commercial lender managing more than $40 million in his loan portfolio, which had growth of over $14 Million in less than one year. When Delta Trust and Bank was sold to Simmons, the opportunity arose to be co-founder of Hilborn & Howell, LLC with Thomas Hilborn. 


Howell’s goal today is to help banks erase the inefficiencies of current cash flow strategies and be ahead of the curve in regards to regulation on this topic.  He enjoys his family, anything outdoors, good food, and live music. His proudest business achievement in recent years was winning 1st Place as the best Economic Forecaster at the Sam Walton Annual business luncheon in 2014.

Thomas R. Hilborn


Thomas Hilborn graduated from the University of Arkansas with a Bachelor's of Science in Finance and Accounting. His finest accomplishment in school was winning first place in the portfolio competition for highest return in his Advanced Investments class. Upon graduating he then went to work for Delta Trust and Bank and quickly moved into an analyst position where he discovered a passion for cash flows. He also witnessed the impact on banks as analysts move into lending roles and what it really takes to overhead this position. He co-founded Hilborn & Howell, LLC with John Howell to bring independent cash flow analysis to all banks in need of this service.


Thomas loves to backpack, fish, camp, and do anything outdoors. He is also an avid golfer and loves to exercise. Furthermore, Thomas is a Boy Scouts of America Eagle Scout.

Advisory Council



Francisco J. Arango


After graduating from Ouachita Baptist University with a degree in Finance, Mr. Arango followed his dreams of entrepreneurship and enjoyment of life by moving to Hawaii.  His first adventure started with B&B Party Rentals.   It grew to the point where Arango was doing the biggest events in Hawaii, catering to venues up to 60 thousand people. He foresaw and envisioned the need for pivots (business direction change) and executed successfully, making a notable change in the profits sector.


After over 6 years with B&B, Arango took his talents and executive style to Valpack of Hawaii as the Franchise Owner from 2007-2011.  He revamped the franchise and led it from an entity that was losing money, to a profitable one. He achieved several major goals during the tenure at Valpak.  Arango sold it as a Franchise owner in 2011 and stayed on in a sales only capacity at 100% commission for 4 years while he continued to hone his start-up skills.


He started Arango Vacation Rentals and Snapvest in 2012. While the vacation rentals was a side business to generate additional income and meet new people, SnapVest is a stock trading app which helps small investors or busy professionals with extra money get started in trading options.


Arango enjoys his own adventures but also finds it rewarding to help others in the startup community. He has witnessed the pitfalls and lessons in this area and desires to help others in their ventures.






Joseph M. Hilborn, CPA


Mr. Hilborn currently works for Argo Group International Holdings, Ltd. as a financial analyst. He has gained experience in debt markets, foreign exchange derivatives, as well as developed a deeper understanding of insurance markets and underwriting. 


Mr. Hilborn was born and raised in Texarkana, Texas. He moved to San Antonio, Texas to attend Trinity University, where he earned a Bachelors’ degree in Economics. After completing his undergraduate degree, he continued his education at Trinity University and received his Masters of Accountancy.


Upon graduating, Mr. Hilborn accepted a position at Ernst & Young in San Antonio. During his time at Ernst & Young, Mr. Hilborn gained experience in the telecommunications, oil and gas, real estate, and insurance industries. While working, Mr. Hilborn also attained his CPA certification.  


Mr. Hilborn is dedicated to learning, and is currently a CFA Level I candidate.  Mr. Hilborn is also an avid outdoorsman and mountaineer.






Andrea E. Kesterson


Andrea grew up in Hot Springs, Arkansas and went to Southern Nazarene University in Oklahoma City. During her time at SNU, she studied literature and arts at Oxford University and attended Chinese Academy of Social Sciences to study Chinese culture and language. Prior to graduating, she interned for former Arkansas Senator, Blanche Lambert Lincoln, in Washington, DC.



After graduating Cum Laude with a liberal arts degree in International Business, Andrea started her career working for Boeing in Oklahoma City. She then moved with Boeing to St. Louis as a Projects Manager in Employee Development. After three years, she decided to change industries and joined an Australian-based EPCM company, WorleyParsons. She moved to Dallas to establish the WorleyParsons Proposal Center and work as a Business and Proposals Manager. 



After her time at WorleyParsons, she was then relocated to join Woodside Petroleum, the largest oil and gas producer in Australia. Based in Perth, she joined as a Business Advisor on Woodside's Floating LNG Development, Browse, based off the Northwest coast of Australia. Currently, she is responsible for establishing their Canadian business after a recent acquisition in British Columbia. 






Jacob L. Newton


Mr. Newton is a practicing attorney and has over thirteen years of experience representing banks and other secured and unsecured creditors in complex commercial reorganization and insolvency cases around the country.


Mr. Newton grew up in Conway, Arkansas, and completed his undergraduate studies at Lyon College in Batesville, Arkansas, where he graduated cum laude with a major in Economics. While at Lyon, Mr. Newton played on the varsity men's basketball team, and served as team captain during both his junior and senior years.  Mr. Newton was recently inducted into the Lyon College Athletic Hall of Fame.  


After graduating from Lyon in 1998, Mr. Newton attended law school at the University of Arkansas School of Law in Fayetteville, Arkansas.  Mr. Newton graduated in 2001, finishing in the top 5 of his class and earning magna cum laude distinctions.  Upon graduating, Mr. Newton accepted a three-year clerkship working as law clerk to the Honorable Bill Parker, Chief United States Bankruptcy Judge for the Eastern District of Texas.  


In 2004, Mr. Newton joined the law firm of Stutzman, Bromberg, Esserman & Plifka, P.C.  After becoming a shareholder in the firm in 2008, Mr. Newton spent the next several years developing a national bankruptcy practice focused primarily on creditor representations.  In late 2014, Mr. Newton and his wife, Christy, made the decision to return to Arkansas to be closer to family.  The Newton family officially moved back to Mountain View, Arkansas, in early 2015, and Mr. Newton will be establishing his new law practice over the next several weeks.