Business Journal - September 2016 by Bozeman Daily Chronicle

BUSINESS F O R S O U T H W E S T M O N TA N A

RIDE ON New rideshare app aims to connect outdoors enthusiasts PAGE 3

JOURNAL

SEPTEMBER 27, 2016

MONEY IN THE BANK

Montana banks continue post-recession rebound BY LEW IS K E NDA LL

EIGHT YEARS AFTER THE COLLAPSE OF MULTINATIONAL investment firm Bear Stearns signaled the beginning of the Great Recession, “resilient” Montana banks have bounced back. While the number of banks in the state has decreased markedly, assets have grown and the industry as a whole is in excellent health, according to officials and industry members. In the past two years, Montana bank assets grew around $1.2 billion, allowing institutions more leverage to issue loans. Those loans — a key factor in the 2008 crisis — are an important area to watch, experts said. One out of every 100 borrowers in Montana is late on payments, creating what the industry calls noncurrent

BUSI N E S S JOU R NA L E DI TOR

loans. The state’s noncurrent loan rate is currently lower than the national average of 1.49 percent. Richard Barrington, senior financial analyst at research company MoneyRates, said that the metric is a good indicator of overall bank health. “If you see this bad loan rate start to rise, it’s a problem that can snowball on a bank,” he said. “And if the economy in one area turns bad, that can quickly become a big deal.” BANKS CONTINUED ON PAGE 15

editor ’s

NOTEBOOK B Y L E W I S K E N DA L L BUSI N E S S JOU R NA L E DI TOR

CHANGES ARE COMING TO THE BUSINESS JOURNAL. Longtime readers are by now familiar with our dedicated team of columnists, which includes Ris Higgins, Robyn Erlenbush, Steve Hample, Dave Meldahl and Maury Wiegand. In the coming months, the team is going to get a few new members. With the growth and diversification of the Gallatin Valley economy, it makes sense to have a wide-ranging group of voices in these pages, and these new writers will certainly achieve that. Not only do they come from a variety of backgrounds, the style of their columns will also range. Be sure to welcome the new teammates as they appear, and feel free to reach out to me with any comments, questions or concerns.

BUSINESS F O R S O U T H W E S T M O N TA N A

JOURNAL

EDITOR | LEWIS KENDALL ADVERTISING MANAGER | SYLVIA DR AIN

EMAIL: lkendall@dailychronicle.com OTHER WAYS TO CONTAC T US: PO Box 1190, Bozeman MT 59771 Phone 406 587-4491 OUR THREECOUNTY REGION

GALLATIN MADISON

PARK

Business Journal is published monthly by Big Sky Publishing, LLC. Contents copyrighted 2012 by Business Journal unless otherwise noted.

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CLOCKING IN ...

with Tyler and Damian Greco, founders of RideSwell BY LEW IS K E NDA LL

WHEN THEY WERE YOUNGER, Tyler and Damian Greco spent their snowy winter days standing outside of the Panda Sports Rentals on Bridger Drive with their thumbs out, hitching a ride to the slopes of Bridger Bowl. The brothers eventually moved away from Montana — Tyler to New York City and Damian to California — but neither forgot the experience of sharing rides with like-minded skiers and snowboarders. Now the two are returning to their roots with a new social rideshare app called RideSwell. The app, a mixture of Uber, BlaBlaCar and Meetup, connects outdoor enthusiasts in the hopes of encouraging carpooling and cutting down on greenhouse gas emissions. Opening the app, a map displays current available rides represented by icons for various activities from hiking to surfing to mountain biking. The trips include details like the itinerary, departure and return times, as well as available seats. Users are also encouraged to help pay for gas. “It’s another great way for people to meet and connect,” Tyler Greco said. “Let’s use the phones to connect and then disconnect; use this tool and then put it down and enjoy everything around you.” The Grecos also gamified the environmental side of the app, tracking users’ carbon dioxide savings and stacking them up against one another on a leaderboard. “It’s amazing to see the environmental impact you have,” Tyler Greco said. RideSwell officially launched in

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July, and the Grecos are currently focusing on marketing and improving the app’s functionality. In addition to the experience hitchhiking in Bozeman, Tyler Greco, who directs commercials in New York City, decided to pursue the idea after countless frustrating email threads about surfing meetups. “How can I unite communities with their love of the outdoors?” he said. The 36-year-old began by brainstorming with his older brother, who helped him

sketch out designs for the app, before presenting it to developers. The brothers funded the project out of their own pockets, working with incubators and business accelerators in California. “To get an idea off the ground, you have to go all in,” said Damian Greco, 39. “It’s not an easy thing to build an app. People have a lot of ideas, but it’s not easy.” As part of the startup, the brothers formed The RideSwell Project, a nonprofit that will connect users to partner organizations like the American Alpine Club and Winter Wildlands Alliance, as well as offer incentives like a $1 donation per carpool. RIDESWELL CONT. ON PAGE 5

PHOTO COURTESY RIDESWELL

Tyler, right, and Damian Greco, left, two brothers from Bozeman have developed a rideshare app called RideSwell. B U S I N E S S J O U R N A L • S E P T E M B E R 27, 2 016

WHAT’S UP WITH THAT? TO CONTRIBUTE CALL 582-2651

Bozeman tongue brush company video goes viral

confidence. It’s a big deal.” According to Peak, studies have shown that the gases released from bacteria on the tongue contribute to gum disease. The company developed the first version of its brush in 1997.

A video released by a Bozeman tongue brush company has gone viral. The video, released in partnership between Bozeman-based Peak Enterprises, Inc., makers of the TUNG Brush, and online stock cartoon company Vector Toons, has received more than 2 million views and 22,000 comments on Facebook. Titled “Clean your tongue it smells like bum,” the video touts the importance of tongue brushing through the use of animated characters like Brushy Bear and Flossy Fox. “Clean your tongue it smells like bum. Brush your tongue it’s covered in dung,” the characters sing on the 54-second clip. “For us, informing people about the importance of tongue brushing is more than just a matter of talking about our products.” said Peak CEO Tom Oechslin. “This step is a crucial component to a person’s overall wellness and

THE BOTTOM LINE

ATHENA International, a nonprofit organization that supports, develops and acknowledges women leaders, to present this annual award in the Gallatin Valley. Nominators had to submit official forms providing detailed information on the candidate’s leadership achievements. All nominations were reviewed and discussed by the local ATHENA selection committee, a team comprised of management at the Bozeman Daily Chronicle. Additional research and personal interviews are part of the selection process. This marks the third annual presentation of the local ATHENA Award. Ris Higgins, Leadership Outfitters, was the recipient in 2014. Robyn Erlenbush, ERA Landmark Real Estate, received the award in 2015. The Oct. 24 luncheon will feature a keynote address by Montana State University President Waded Cruzado. For tickets and more information: bozemandailychronicle.com/lunch or 582-2699.

Annual ATHENA award recipient chosen The recipient of the prestigious ATHENA Women’s Leadership Award for Gallatin Valley has been selected. Carmen McSpadden, director of the Montana State University Leadership Institute, will be presented the award and official ATHENA sculpture at the B2B Luncheon on Oct. 24 at the Hilton Garden Inn. The award follows rigorous guidelines to honor women who meet three criteria: professional leadership, community leadership and personal leadership/mentorship. The Business Journal for Southwest Montana secured licensing rights from

MONTHLY ECONOMIC INDICATORS

JULY AIRPORT BOARDINGS

MONTANA ELEVATOR CASH GRAIN PRICES

2016

130,000

2015

120,000

110,000

100,000 90,000 Billings

2015 2016

Bozeman

2015

2016

Missoula

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U.S. 2 Feed Barley U.S. 1 Dark Northern Spring Wheat 14% U.S. 1 Hard Red Winter Wheat 12%

$3 $2

9/3

9/10

9/17

AVERAGE PRICE PER BUSHEL FOR WINTER AND SPRING WHEAT. AVERAGE PRINCE PER CW T FOR FEED BARLEY

SOURCE: USDA-WY DEPT. OF AGRICULTURE MARKET NEWS SERVICE, TORRINGTON, WY

2-Year college degrees

RIDESWELL F ROM PAGE 3 “We want to reward people by helping them play,” Tyler Greco said. “We all need to do more. It’s not enough to just carpool together; that’s just the first step.” The next step for the brothers is to get the word out. The company has already purchased marketing in Bozeman in the form of billboards and small posters, and Damian Greco plans to move back to the Gallatin Valley in the coming months to run the company full-time. “We couldn’t get away from Montana,” Tyler Greco said. “I’ve never found anywhere as magical as Bozeman and Montana.” What began as two kids thumbing their way to Bridger has become a mission to not only cut down on the environmental impacts of recreation, but also to encourage people outside, Damian Greco said. “(We want) to bring a piece of technology that enhances the ability to get out more. If we could give something back, that would be amazing,” he said.

FEEDER CATTLE PRICES

Find a clear path to the degree or career you want. Gallatin College MSU can help you get there. Gallatin College’s transfer and general education degrees are designed to meet the needs of a variety of students. You can choose between: 2-Year Associate of Arts (A.A.) This degree provides a foundation of general education studies with a concentration of coursework in the arts, humanities and social sciences.

2-Year Associate of Science (A.S.) This degree provides a foundation of general education studies with a concentration of coursework in mathematics and natural sciences.

Why earn an Associate’s Degree? • You can successfully transition into college. • You’ll gain a solid foundation for further education. • You can earn a college degree in 2 years. • You can graduate sooner and save on tuition. Plus, scholarships are available.

To learn more visit: gallatin.montana.edu or call 406-994-5536

PHOTO COURTESY RIDESWELL

RideSwell aims to connect outdoor enthusiasts through a mobile rideshare system.

YELLOWSTONE NATIONAL PARK VISITS March .......... 88,210

$200

April .......... 121,757

$150

May ......... 543,661

$100

June ......... 988,494 Week Week Week end end end 9/3 9/10 9/17

July ......... 995,917 August ....... 841,036 SOURCE: NATIONAL PARK SERVICE

STEERS

500-599 lbs

HEIFERS 500-599 lbs

B U S I N E S S J O U R N A L • S E P T E M B E R 27, 2 016

JOIN US MONDAY, OCTOBER 24 rd

L UA

B2B

IE ER

s n o e h c n Lu

KEYNOTE SPEAKER

Dr. Waded Cruzado, president of Montana State University, will share her expertise in leadership and mentoring to achieve success for people and projects.

A MONTHLY NETWORKING EVENT IN BOZEMAN

LEADERSHIP AWARD

Additionally, the prestigious 2016 ATHENA Women’s Leadership Award will be presented to Carmen McSpadden, director of MSU’s Leadership Institute. DR. WADED CRUZADO

CARMEN MCSPADDEN

PRESIDENT, MONTANA STATE UnIVERSITY

DIRECTOR, MSU LEADERSHIP INSTITUTE 2016 ATHENA RECIPIENT

Monday, October 24 11:30-1:00

BOZEMAN

SPACE IS LIMITED • RESERVE YOUR SEAT TODAY!

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1504278

BUSINESS MATTERS

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[ Quarterly advice for business and life from a revolving cast of three columnists ]

The four Ds don’t spell disaster MEGHANN McKENNA

THERE ARE FEW THINGS MORE SATISFYING than fully completing a large project. When it comes to business planning however, instead of trying to complete the entire “project” all at once, success will be obtained if you break the project up into smaller manageable pieces. Like trying to eat an entire elephant, don’t eat it all at once — take one bite at a time. Let’s start with one of the most important aspects of the business planning process: buy/ sell planning for death, disability, departure and divorce. Not necessarily the most exciting part of running a business, but critical to its health and continuation. In many instances the buy/sell agreement actually drives the objectives for the growth of the business as well. The key to successful buy/sell planning is to break the overall project down into small manageable segments. Here are some helpful tips to set you up for success: 1) Set reasonable expectations. It is better to have slow progress rather than none at all. Set attainable goals and do not forget to celebrate each small success and accomplishment. If it helps, set desired timelines for each part of the process. a. Who are the parties to the agreement? b. What do you want to happens to the business in the event of death, disability, divorce or departure? c. How do you want the business to transition? 2) Select your team. Often

times business owners turn to an attorney or CPA. Clearly a good choice, but do not overlook others you may have a relationship with and who you probably have already discussed your goals, such as your life insurance agent, financial advisor or a fellow business owner who you know to have traveled this road. 3) Begin with the outcome in mind before you start with an agreement, funding mechanism or consideration of tax implications. You also need to make sure your business buy/sell plan fits your personal plan. What do you want for you and your family? This will help you stay focused and excited about reaching the next step. 4) Build some flexibility into your documents and planning, just as you would into your daily

schedule. All good plans are well intentioned but often time life takes us down a different path. Now I cannot promise that if you follow these four steps that planning will be a breeze, but it will certainly make the process a lot more manageable and success more attainable. Meghann McKenna is owner and financial adviser at McKenna Financial in Bozeman, a family

owned financial firm serving clients since 1949. She also is a registered representative offering securities through NYLIFE Securities LLC, Member FINRA/SIPC a licensed insurance agency, and a financial adviser offering investment advisory services through Eagle Strategies LLC, a registered investment adviser. McKenna Financial is not owned or operated by Eagle Strategies LLC or its affiliates. This article is offered for general information purposes only. It does not set forth solutions to individual situations. Consult your professional adviser(s) before implementing any financial changes.

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B U S I N E S S J O U R N A L • S E P T E M B E R 27, 2 016

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REAL TALK

Farm-to-table Montana style

BY ROBYN ERLENBUSH

MONTANA HAS A RICH agricultural background, and many people are comforted by being able to see actual food growing or grazing as they drive more rural areas. Farmers and ranchers work diligently to keep food on our local tables and beyond. The Montana Department of Agriculture’s website reports that “the industry generated over $4.2 billion for all agriculture services and products rendered in 2012.” In addition to the most notable categories of beef and wheat, many other products, including cherries, sugar beets, lentils and even mint, all contribute to the mix.

The farm-to-table concept is a popular movement that promotes serving locally grown or harvested food in area restaurants and schools. The food is obtained directly from where it is produced without going through a store or other avenue. The idea is to provide the freshest possible ingredients for a meal. It benefits both parties in that the farm that is selling the products receives a greater profit by avoiding a middle man, and the restaurant can sell high quality menu items to their customers who value this. The Western Sustainability Exchange has a program called the Farm to Restaurant Connection, which promotes restaurants using products that come from sustainable technique producers. Some local examples include Blackbird Kitchen, Saffron Table, Wheatgrass Saloon in Livingston and the Yellowstone Club in Big Sky.

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The original farm-to-table definition has somewhat morphed to include purchasing food at farmer’s markets or community gardens and then bringing the food home to your own table. Farmer’s markets are certainly not a new phenomenon; however, their growth over the years is something to appreciate. The Montana Department of Agriculture produced a publication this year showing all of the markets for the 2016 season. A quick count produces 70 seasonal markets (normally spanning from June through September) and two single-day markets. In our region, the Gallatin Valley Farmer’s Market, established in 1971, is held every Saturday morning at the Gallatin Valley Fairgrounds. If weekdays work better for an individual’s schedule, the Bogert Farmer’s Market holds their market open on 17 consecutive

Tuesday evenings. Both Livingston and Big Sky hold their markets on Wednesday evenings. Ennis, Three Forks, Manhattan and Clyde Park are other area communities that support this venture. Farm-to-school is another aspect of the agricultural mix that has seen positive growth. It introduces the goal of offering locally produced foods straight to the K-12 students of a community. In Livingston, for instance, Sleeping Giant Middle School and Park High School contain aquaponics labs in the schools’ greenhouses that helps foster education about sustainable living and nutrition. Students take a hands-on role in growing food that is served in their own school cafeteria. Stories similar to this abound in our state. Value-added agriculture is one additional business model worth mentioning in this vein. It takes an agricultural product one step further by changing the physical state to increase or enhance its value. For instance, when wheat is turned into flour or chokecherries are made into syrup, the product has an increased value to consumers. This can add another component of income to farmers who are looking to expand or diversify their offerings in order to sustain or grow their business. Jobs can be created and the economy is stimulated. Of course as with any new venture there are risks involved,

but success stories are aplenty. The Folkvord family has turned Wheat Montana near Three Forks into a name that is synonymous with quality bread products. The grain is harvested, cleaned, milled and baked to prepare for sale to consumers. Amaltheia Dairy near Bozeman began as a small goat farm selling their milk to another company for cheese making. They have increased their production tremendously and now make 17 varieties of gourmet cheeses which are delivered fresh to their customers. Claudia Krevat has taken one woman’s love of the lentil into a unique business. Her lentil caravan travels the state to introduce consumers to this legume that is grown, yet not widely consumed, in Montana. With a plethora of recipes on hand, Krevat is showing Montanans this legume which provides protein for your body and jobs for local farmers is one that should make its way to your dinner table. From the roadside cherry stands in the Flathead Valley to the endless rows of sugar beet fields in eastern Montana, we can take pride in our state and the outstanding products that we produce and share with the rest of the world. Robyn Erlenbush is a downtown business owner and the broker and owner of ERA Landmark Real Estate, NAI Landmark Commercial and Intermountain Property Management. Contact her at robyn@eralandmark.com.

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FINANCIAL TIPS

Technology changes everything BY STEVE HAMPLE

THE TITLE IS AN OVERSTATEMENT, yet one worth considering. The Industrial Revolution, the steam engine, electric lighting and motors, and the emergence of cars and planes certainly changed our country. The computer revolution, or perhaps we should call it the Dawning of the Information Age, has allowed global positioning satellites to pinpoint the location of cell phones and thus seamlessly connect conversations to the nearest cell tower as well as allowing many map applications. The world wide web of the internet has connected people in new and different ways, from near instant access to information, to online scheduling and purchasing, to self directed international video conferencing and to remote control of devices. It’s hard to think of activities which have not been changed by the advances of computer technology in the past few decades. The rate of change shows no signs of slowing down. Health magazine The Lancet recently reported on the success of a very micro robotic surgical device operating on a patient’s retina to restore his sight. Smart phones continually become smarter and now offer amazing camera capabilities. The field of artificial intelligence keeps progressing. Whether a computer can ever fully replace a human being is debatable, but a Russian innovator envisions someday transferring his own consciousness into a computer when his human body wears out. That sounds far-fetched, but so was the concept of humans being able to fly. New technology often disrupts existing practices. Transportation

is an example. Uber has arrived in Bozeman, challenging traditional taxi service. The Uber corporation is reportedly also experimenting with the delivery of packages. A Bozeman startup, DropTrip, has designed a similar delivery service. Thus far, Fedex and UPS have not been disrupted by these ventures. However, Amazon has experimented with using drones for local delivery. For long distance delivery of packages, Amazon has reportedly purchased 4,000 semi truck trailers, has recently leased 20 Boeing 767s, and seems intent on developing its own airline and ground freight operation. More transportation disruptions seem pending. A Tesla electric car has now achieved faster accelera-

tions than the fastest production cars of famous foreign sports car companies. Will carbon fiber replace metal in cars (as it is doing in airplanes) and might non-structural parts of cars be produced by 3D printing using cheap recycled plastic (with air spaces), thereby replacing traditional metal production methods? The big transformation will be in self-driving cars, which have been successfully tested for years in many locations. Last year, self-driving semi trucks became legal on Nevada roads, though a human must still be in the vehicle to take control if needed. In large airports we think nothing of taking a driverless small subway train from one set of gates to another. Many of us have likely ridden on longer trains in subways or on airport and city trams without realizing they were driverless. In June, a totally self-driving 12-passenger shuttle system with IBM technology debuted in the Washington D.C. area. In July, Mercedes-Benz successfully tested its new full-size self-driving “Future Bus” in regular city traffic. Fewer cars may be needed

in the future. If indoor workers could lease self driving shuttle cars during commuting times, such driverless car could go to other users during mid-day rather than sitting idly in parking lots. If many cars could work more hours during the day, fewer cars would need to be purchased. One industry article predicted a 40 percent drop in car sales within 25 years. The car insurance industry might also face a contraction; robotic systems don’t drink and drive or become distracted by texting while driving and hence fewer accidents may decrease the dollar amount of insurance sold. Technological advances can create efficiencies benefitting nearly everyone, but business owners, investors and job seekers should also plan ahead for disruptions. Last month a company launched its first fleet of selfdriving taxis. That company is Uber. Recent financial industry retiree Dr. Stephen R. Hample, CFP is now a partner in the Frontier Fund II angel fund investment group. He was the founding president of the Bozeman Area Community Foundation and of the Bozeman Sunrise Rotary Club.

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THE PURSUIT OF HOPPINESS LOCAL DUO START BOZEMAN HOP YARD Jake TeSelle’s reason for starting a hop farm in Bozeman is pretty simple. “Because I like beer,” said the 22-year-old while standing among the remains of his first harvest on Wednesday. “Why else?” TeSelle graduated from Montana State University in May with a degree in mechanical engineering, but after testing the waters through several internships, decided the field wasn’t for him. Instead, he returned to his farm off Gooch Hill Road where his family has grown wheat and alfalfa for five generations. “I’ve had my fill,” he said of engineering. “Being outside is in my blood.” During one of his internships in San Diego, TeSelle met a friend who was growing hops in the backyard, and when he returned to Bozeman he decided he would give the crop a shot. “I thought hops might be more fun (than wheat),” he said. Early last year, with the help of childhood buddy Colt Sales, TeSelle dug up an acre of his family’s land, installed several dozen 15-foot posts connected at the top by wire, planted handfuls of 4-inch hop roots and trained the plants to climb upward using lengths of coconut twine. The 1-acre test plot, which had previously been used as a motorcycle course, was so rocky and “garbage” that many of the posts skewed at odd angles, giving TeSelle and Sales the name for their new operation: Crooked Yard Hops. “It’s a lot of work, but I love it. It’s like a big garden,” TeSelle said. A perennial vine grown around the world, hops can survive through the winter but are sensitive to heat, and around half of Crooked Yard’s original crop died out during a hot spell last summer. But the business partners still collected about 150 pounds of robin egg-sized cones during their first harvest several weeks ago. Despite a high return on investment 10

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B Y L E W I S K E N DA L L

RACHEL LEATHE

Jake TeSelle, an MSU grad and fifthgeneration farmer, stands next to the tallest hops plant growing in his 6-acre plot on Aug. 31 outside of Bozeman.

(more than $10,000 of revenue per acre compared to a couple $100 for wheat), hop farming is made difficult by the need for specialized infrastructure. Along with the twine, posts and wire, harvesting the plants requires a large machine that strips the buds from their stems, as well as equipment for drying and preserving. “The market is there, but the infrastructure is complex. The harvesting and processing is a huge barrier,” TeSelle said. “People think it’s: ‘Oh, I grow the plant and get money,’ but there’s so much in between.” To offset the startup cost, TeSelle went to Blackstone LaunchPad, MSU’s business incubator, which directed him to a Montana Department of Agriculture grant program that ended up covering most of the cost of the harvester. And at Blackstone’s urging, TeSelle and Sales decided to expand their operation. “It was going to be a hobby. I thought maybe I’d build 2 acres someday, but they gave me a kick in the pants and shot in the arm,” TeSelle said. After coming to an agreement with a neighbor, in April the two broke

BUSI N E S S JOU R NA L E DI TOR

ground on 6 acres of land across the road from the test plot. Enlisting the help of friends and family, they spent three months plowing the ground in rows, installing more than 1,000 posts, stringing wire and twine and planting thousands of root cuttings from two different hop varieties — Cascade and Magnum — which TeSelle purchased from a hop farm in Oregon. “It’s spiraled out of control,” he joked. The Bozeman native has received advice from Tom Britz, the owner of one of the state’s only other hop farms, Glacier Hops Ranch in Whitefish. But most of the troubleshooting he has done online. Early in the process, TeSelle and Sales visited local beer festivals and told brewers that they were farming hops. Many expressed interest, but Bridger Brewing head brewer Daniel Pollard was the most persistent. TeSelle delivered his test batch to Pollard, which the brewer plans to use in a wet-hopped (using the plants fresh off the vine, rather than dried) version of his Vigilante IPA. According to TeSelle, the 150 pounds of hops will translate to around 310 gallons of beer, or 2,500 pints. As word of the local hop yard has spread, TeSelle said he receives calls weekly asking if he has anything for sale. But the next few years’ harvests are all accounted for by Bridger. “It’s nuts, everyone wants Montana hops,” he said. Despite the demand, TeSelle said he doesn’t plan to expand beyond the current 6 acres, a size that is manageable between himself and Sales. And while the owners were always beer lovers, the operation has given them a newfound appreciation for the brewing process. “Like anything, when you get more connected to agriculture you appreciate it more,” TeSelle said. “Drinking a beer, you understand that there’s more behind it. It just feels right.”

ON THE RECORD CON T. PATENTS

Joel R. Haynes of Bozeman. Takeda Vaccines, Inc. of Bozeman. Chimeric influenza virus-like particles. 9,439,959. Sept. 13. Michael J. Giroux of Bozeman. Montana State University of Bozeman. Production of high quality durum wheat having increased amylose content. 9,439,447. Sept. 13. Vishal Kapoor of Seattle, Wash., Jonathan Mark Keller of Redmond, Wash., Ajith Kumar of Seattle, Wash., Adrian M. Marinescu of Sammamish, Wash., Marc E. Seinfeld of Fort Lauderdale, Fla., Anil Francis Thomas of Redmond, Wash., Michael Sean Jarrett of Kirkland, Wash., Joseph J. Johnson of Seattle, Wash., and Joseph L. Faulhaber of Bozeman. Microsoft Technology Licensing, LLC of Redmond, Wash. Discovering malicious input file and performing automatic and distributed remediation. 9,436,826. Sept. 6. Justin Torgerson of Bozeman, Charles Lokey of Bozeman, Laine McNeil of Bozeman, Patrick Maine of Bozeman, and Mark Enright of Bozeman. Quantel USA of Bozeman. Intracavity pumped OPO system. 9,431,790. Aug. 30. David Yakos of Bozeman, and Seth Carlstrom of Bozeman. Sourcingpartner, Inc. of McKinney, Texas. Spray bottle with wiping surface. D764,309. Aug. 23. Beda B.G. Ruefer of Bozeman. Drinking water delivery system and method. 9,422,068. Aug. 23.

BANKRUPTCIES

Jeffrey Scott Alexander and Brittney Darby Alexaner. 103 Branegan Court, Apt. A, Bozeman. Chapter 7. Aug. 31. Richardson. Mark Edward Mathson and Jennifer Marie Mathson. P.O. Box 10412, Bozeman. Chapter 7. Sept. 9. Richardson. Ross Evan Johnson. P.O. Box 134, Manhattan. Chapter 7. Sept. 8. Richardson. Timothy John Warner and Amanda Dawn Peters. 105 Second St., Springdale. Chapter 7. Sept. 14. Richardson. Tody Carl McAdam. 105 S. Ninth St., Livingston. Chapter 7. Sept. 15. Richardson.

3rd Year Annual Series premier networking series

A Monthly Networking Event in Bozeman We invite you to attend the 2016-17 Business Journal B2B Networking Luncheons.These luncheons feature an exciting lineup of speakers and topics about present and future Bozeman, and offer a great opportunity to do local business to business networking. Six dynamic programs are planned this year:

Oct. 24, 2016: Dr. Waded Cruzado, president of Montana

Jan. 23, 2017: Robyn Erlenbush, owner/broker at ERA

State University, will share her expertise in leadership and mentoring to achieve success for people and projects. Additionally, the prestigious 2016 ATHENA Women’s Leadership Award will be presented to Carmen McSpadden, director of MSU’s Leadership Institute.

Landmark Real Estate, will deliver her don’t-miss, annual update of the area’s real estate market and its impact on all businesses.

discussion on Bozeman’s hottest topic, also the subject of an ongoing Chronicle series, will examine the opportunities and issues of local growth and development. Hear from Bozeman Mayor Carson Taylor, MSU’s Executive Director Communications Tracy Ellig, Future-West Community Planner Randy Carpenter and a representative from the building industry.

presents its annual 20 Under 40 Awards to the area’s top young business professionals, with keynote speaker TBD. Get to know this impressive group of leaders on their way up.

March 27, 2017: Bozeman Health’s new CEO John Hill and Jason Smith, executive director of the Bozeman Health Foundation, will detail the growth plans ofthe valley’s premier health care provider and explain how the foundation ensures the hospital’s quality care.

April 24, 2017: MSU Athletic Director Lou Costello, along with coaches and players, will preview the 2017-18 sports season.

Join us form 11:30am to 1:00pm at the Hilton Garden Inn: Tickets are $37.50, deadline to register is one week prior to each event. Receive a discount for Tables of 10 or charitable organizations. Register: www.BozemanDailyChronicle.com/lunch B U S I N E S S J O U R N A L • S E P T E M B E R 27, 2 016

1519325

Nov. 21, 2016: How Will We Grow? This panel

Feb. 27, 2017: The Daily Chronicle Business Journal

Founding Sponsor:

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BANKS F ROM PAGE 1 However, the rate has remained consistent over the past few years, and since the recession banks are quick to employ methods to screen potential borrowers and track their credit to ensure repayment, said Melanie Hall, commissioner of the Montana Division of Banking and Financial Institutions. “Montana banks have always been pretty conservative; they hold a lot of capital and monitor their concentrations,” she said. “But even more so today they make sure they are tracking cash flows of borrowers, getting updated financial statements so they make sure customers aren’t getting into financial trouble, and holding additional bank equity to protect the health of the bank in the event of another downturn.” Montana’s noncurrent loan rate is also a product of the state’s prevalent industries, Hall added. “The primary reason is the seasonal nature of agriculture,” she said. “It’s not unusual for loans to have gone past due as farmers and ranchers wait for the harvest.” In a state peppered with community banks,

“Montana banks have always been pretty conservative; they hold a lot of capital and monitor their concentrations. But even more so today they make sure they are tracking cash flows of borrowers, getting updated financial statements so they make sure customers aren’t getting into financial trouble, and holding additional bank equity to protect the health of the bank in the event of another downturn.” — Melanie Hall, commissioner of the Montana Division of Banking and Financial Institutions

lenders are often more willing to strategize with borrowers to secure loans, said Steve Turkiewicz, president and CEO of the Montana Bankers Association.

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“One of the values of the bankers in Montana is their ability to work with a troubled loan,” Turkiewicz said. “(The noncurrent loan rate) is something we watch, but we want to work with the borrower

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to make things happen and work their way through a troubled situation.” And the current national noncurrent percentage, the lowest since 2007, represents a vast improvement in bank health and economic growth, officials said. Another vital sign to consider is the number of banks. Though no Montana banks failed during the recession, six of the state’s 61 institutions have merged into or been absorbed by other companies since 2014. “We have had quite a few mergers, and a lot of that has been due to regulatory pressure,” Hall said. “Montana has changing population demographics. Small towns are getting smaller, so it makes sense to take advantage of the economy of scale.” The consolidation of companies in Montana mirrors a national industry trend. Since the end of the recession, the number of FDIC-insured banks in the U.S. has dropped by around 1,500, or 20 percent.

“The trend of a couple banks a year combining will probably continue because the pressures to continue keeping up with the regulatory requirements,” said Pete Johnson, president and CEO of Helena-based Opportunity Bank of Montana. “There used to be a couple new banks a year that were formed, and that trend has declined to nothing.” Although these mergers water down market competition, they often gives banks the ability to offer better services like online banking, Johnson said. “That usually results in a better product for the customer,” he said. Larger banks like Glacier and First Interstate are necessary to cater to the needs of the state’s diverse economy, Turkiewicz added. “We have various sizes of industries and businesses in Montana, and it’s healthy to have the different sizes of banks available for access to credit,” he said. “The economy isn’t the same today as it was six or eight years ago.

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It’s ever-changing and the banks are changing to meet the needs of those communities.” Johnson estimates around half of Opportunity’s loans are businessrelated, and acknowledged the role that banks play in local and regional economies. “The economy in the state is doing pretty well overall,” he said. “Profitability in the banking industry has been good in the last couple of years, so I think everyone is feeling pretty good about the health of the industry.” While banks don’t dictate growth, they are often a reflection of an area’s overall economic standing, Turkiewicz said. “If the economy sees slow downs, they reflect that as well,” he said, referencing the Bakken region and areas dominated by agriculture. “The banks have seen growth and strengthening of their loan portfolios, but as we look at agriculture and energy prices, they are tracking what’s happening in those specific economies.”

Area banks have also responded to the continued growth of the Gallatin Valley. “In the Bozeman market it has been very strong,” Johnson said of the financial sector. “People come to the table with very good resources, and they are going to have a good shot to partner with a bank to get their business going.” “We’re seeing a growing economy in that area; we’ve seen businesses expand and new businesses come in,” Turkiewicz added. “It’s been quite robust.” Despite lagging behind the national recovery, Montana banks are in a much better place than they were five years ago, Hall said. “Things like the recession were late to hit Montana, but they are getting out of it. And quite frankly, they’re doing great,” she said. “Montana’s banks are extremely healthy right now.” Kendall can be reached at lkendall@dailychronicle.com. Kendall is on Twitter at @lewdak

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BOZEMAN AREA BUSINESS CALENDAR BOZEMAN 9/27 Bogert Farmers’ Market, 5 p.m. to 8 p.m., at Bogert Park. Visit www.bogertfarmersmarket.org for more information. 9/28 Bozeman Area Chamber of Commerce Board of Directors Meeting, 7 a.m. to 8 a.m., at the Bozeman Chamber, 2000 Commerce Way. More information at www.bozemanchamber.com. 9/28 Bozeman Business and Professional Women Lunch Program “DIY Holiday Marketing: Get Creative!”, 11:30 p.m. to 1 p.m., at Holiday Inn, 5 E. Baxter, $9 for members, $12 for non-members. Visit www.bozemanbpw.org for more information. 9/29 Montana Women’s Business Center Prosperity Party, 6 p.m. to 9:15 p.m., at the Rockin’ TJ Ranch, 651 Lynx Ln. $50 for Prospera member open seating, $60 for non-member open seating, $500 or more for sponsor seating for two with marketing benefits. Registration required by 9/27. Visit www.prosperabusinessnetwork. com for more information and registration. 10/4 Downtown Bozeman Association Board Meeting, 8:15 a.m. to 9:45 a.m., Downtown Bozeman Partnership Office, 222 E. Main St. Suite 302. All are welcome. Visit www.downtownbozeman.org for more information. 10/5 Bozeman Score Financial Package (Part 1): Understanding the “Financial Statements”, 11:45 a.m. to 1:15 pm, at the Bozeman Public Library, 626 E. Main. Visit www.bozeman. score.org for more information and to register. 10/6 Bozeman Area Chamber of Commerce Business Before Hours, 7:30 a.m. to 8:30 a.m., at Cancer Support Community Montana, 102 S. 11th Ave. $5 for members, $25 for non18

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members. More information at www. bozemanchamber.com. 10/12 Bozeman Area Chamber of Commerce Business & Community Issues—Economic Development Update, 11:30 a.m. to 1 p.m., at the Holiday Inn Express and Suites, 2305 Catron. $18 for members, $105 for nonmembers. Register at www.bozemanchamber.com. 10/12 Bozeman Score Financial Package (Part 2): Financial Analysis and Management, 11:45 a.m. to 1:15 pm, at the Bozeman Public Library, 626 E. Main. Visit www.bozeman.score.org for more information and to register. 10/12 Bozeman Business and Professional Women Lunch Program, 12 p.m. to 1 p.m., at Holiday Inn, 5 E. Baxter, $9 for members, $12 for nonmembers. Visit www.bozemanbpw.org for more information. 10/12 Downtown Business Association Showcase Series Featuring Café Fresco and La Chatelaine Chocolat, 4:30 p.m., meet at Café Fresco, 317 E. Mendenhall. No charge—please RSVP by Oct. 7 by emailing ellie@ downtownbozeman.org. Visit www. downtownbozeman.org for more information. 10/18 Tax Increment Fund Board Meeting, 12 p.m. to 1:30 p.m., at the Downtown Bozeman Partnership office. 10/19 Bozeman Score Financial Package (Part 3): Cash Flow Analysis, 11:45 a.m. to 1:15 pm, at the Bozeman Public Library, 626 E. Main. Visit www. bozeman.score.org for more information and to register. 10/19 Business Improvement District Board Meeting, 12 p.m. to 1:30 p.m., at the Downtown Bozeman Partnership office. 10/27 Bozeman Area Chamber of Commerce Board of Directors Meet-

To contribute the Business Calendar email srandrus@ dailychronicle.com

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ing, 7 a.m. to 8 a.m., at the Bozeman Chamber, 2000 Commerce Way. More information at www.bozemanchamber.com.

Rd. $45 for members, $65 for nonmembers. Visit www.bigskychamber. com for more information and to register.

10/27 Bozeman Area Chamber of Commerce Business After Hours, 5:30 p.m. to 7:30 p.m., Stockman Bank, 1815 S. 19th Ave. Free for members, $25 for non-members. Register at www. bozemanchamber.com.

10/4 Greater Ruby Valley Chamber of Commerce & Agriculture Board Meeting, 5 p.m., at the Ruby Valley Bank, 103 N. Main St., Sheridan. Visit www.rubyvalleychamber.com for more information.

BELGRADE 9/27 Belgrade Chamber of Commerce Rise and Share, 8 a.m. to 9 a.m., at the Belgrade Chamber of Commerce. Visit www.belgradechamber. org for more information. 10/4 Belgrade Chamber of Commerce President’s Circle, 4 p.m. to 5 p.m. Meeting open to past presidents and past board of directors of the Belgrade Chamber of Commerce. 10/6 Belgrade Chamber of Commerce Membership Luncheon, 12 p.m. to 1 p.m., at the Belgrade Chamber. Cost is $15. Visit www.belgradechamber.org for more information and to register. 10/11 Belgrade Chamber of Commerce Rise and Share, 8 a.m. to 9 a.m., at the Belgrade Chamber of Commerce. Visit www.belgradechamber. org for more information.

THREE FORKS 10/10 Three Forks Chamber of Commerce Meeting, 7 p.m., at Three Forks City Hall. Visit www.threeforksmontana.com or call (406) 2854753 for more information.

MADISON COUNTY 9/27 Big Sky Chamber of Commerce Annual Business Expo, 8 a.m. to 5 p.m., at Buck’s T-4, 46625 Gallatin

10/11Big Sky Chamber of Commerce Board Meeting, 8:30 a.m. to 10:30 a.m., at the Big Sky Chamber, 55 Lone Mountain Trail. Visit www.bigskychamber.com for more information. 10/12 Ennis Chamber of Commerce Board Meeting, 8 a.m., at the First Madison Valley Bank. Members welcome. Visit www.ennischamber. com for more information. 10/20 Big Sky Chamber of Commerce Visit Big Sky Board Meeting, 8:30 a.m. to 10:30 a.m., at the Big Sky Chamber, 55 Lone Mountain Trail. Visit www.visitbigskymt.com for more information.

LIVINGSTON 9/29 Livingston Chamber of Commerce Board Meeting, 12 p.m. Visit www.livingston-chamber.com for more information. 10/6 Network Live! Livingston Business After Hours, 5:30 p.m. to 7 p.m., at Opportunity Bank. Visit www. livingston-chamber.com or call (406) 222-0850 for more information. 10/20 Network Live! Livingston Business After Hours, 5:30 p.m. to 7 p.m., at The Obsidian. Visit www. livingston-chamber.com or call (406) 222-0850 for more information. 10/27 Livingston Chamber of Commerce Annual Awards Banquet. Visit www.livingston-chamber.com for more information.

My Two Cents “I have a client I work with on a regular basis, and I hate to admit it, but she drives me crazy. I don’t think she means to, but I’m not sure I can keep working with her. Every time I meet with her about the project I’m working on for her company, I find myself waiting for the constant interruptions, judgments and rapid-fire questioning. Have you ever “fired” a client? What did you say without making it seem like it’s all their fault?” -L.C., consultant, Bozeman What you are describing, L.C., could be what I call a trigger. A reactive response. Something that reactivates an emotional response in you within a quarter of a second. A “triggered” reaction is not one that is conscious, but an unconscious reactive habit that is uniquely yours. Here’s what I mean. Our unconscious mind takes us to decisions we made in the past about how to act when we felt a certain way. When we experience a situation that reminds us of that same feeling — without conscious choice or awareness — we are “triggered” into the same reaction we had all those years ago. Rather than being in the present moment, we become trapped into reacting the same way we did before. In many cases, that means the adult has left the room. Daniel Goleman, one of the pioneers of emotional intelligence, calls it an emotional hijacking. He describes it this way: “When triggered, the emotional centers in our brain…make us fix our attention on, and obsess about, the cause of our distress. We become a prisoner of our feelings.” Want to learn about the cause of your distress, L.C.? Consider these questions: Who does your client remind you of? When in your early life were you interrupted, judged or forced to deal with rapid-fire questions? Identify the feeling in you when you think about working with this client. When did you feel that same way early in your life? It may not be the situation that is similar, but the feeling that is similar. What was your response to make this person or feeling go away? Did you

fight back? Did you shut down or physically go away? Did you do nothing, hoping your nonreaction would make it stop? If it worked — stopping the uncomfortable feeling — you probably did the same thing the next time that uncomfortable feeling showed up, and the time after that, and the time after that. You can begin to see how we created our reactive habits. They worked. So we kept doing them, becoming unconscious of our reaction after years of practice. Until we become aware. That’s what begins to stop the habit. Self-awareness galvanizes self-management. Triggers can rob us of our peace if we don’t notice when we are in reactive mode. Self-awareness is the key. That’s when we can name what we actually do. That’s when we can decide if we want to keep doing that or choose another response. And that’s when our reactions no longer unconsciously control us, but we now control them. Do you, L.C., really want to “fire” your client or is that your reactive habit? Could it be you lose your voice, go away as soon as possible, and make them wrong? It would be interesting to explore other responses for this client. What would happen if you shared the impact her behavior has on you? My guess is you are not the only person this client interrupts, judges, and shoots rapid-fire questions at. What a gift you both could be for each other in authentically talking about how to change the way you work with each other. Without conscious thought, we are at the mercy of our “triggers.” We see a situation and our response is automatic, “triggering” an unpleasant or self-defeating emotional reaction which results in behavior that is usually not the best version of who we are. It’s very predictable. When we stop to examine our “triggers,” we begin to see how these reactive thought and behavior patterns are affecting our leadership. We begin to realize that they disconnect us from other people. Triggers are purely our point of view with our own unique way of reacting. For example:

By RIS HIGGINS

If you are triggered by a person who is angry, your reaction may be to shut down and become quiet, making the other person wrong. Someone else might meet that other person’s anger with their own and get into a shouting match, ending with both people walking off in a huff. Yet another triggered reaction might be to apologize right away to make the anger go away, not knowing why you are apologizing. In all the reaction examples, we never get to find out what is going on with the other person. We also don’t get to find out what’s going on with us. Triggers take away our ability to be curious about what is really going on with the other person, to find out what’s behind their behavior. Or to explore what’s going on with our behavior. Understanding our triggers helps us become response-able again. Our challenge is to increase our reaction time from that quarter of a second to enough time to choose our responses. The only way I have found to stretch that quarter of a second to more time is self-awareness. Hit the pause button and observe what you do under stress or pressure. With selfawareness, you give yourself a variety of choices, rather than just one reaction. That doesn’t mean you can’t “fire” this client, L.C. But before you do, notice how many other people are showing up in your life like this client. Perhaps life is calling for you to enhance your self-awareness and find another way of dealing with people who trigger an emotional hijacking in you. You could even begin to see them as your “developmental angels” because you will become a better leader by figuring out your reactive habit. True transformation begins when you understand that you alone are in charge of your reactions, even in the most difficult circumstances. That’s the best part, because nobody can take that away from you. Ris Higgins is a leadership coach, change agent, and innovative thought leader. She has spent the last 24 years learning the joys and challenges of leading her business with her husband, Joe. If you have any questions you would like Ris to address, send them to her at ris@leadership-outfitters.com. B U S I N E S S J O U R N A L • S E P T E M B E R 27, 2 016

General:

MSU Bakery is hiring a temporary entry level Baker at $11.139/hour. Eligible for OT & benefits. Please call Teresa at 994-2109 for more info. General Help

Construction

Construction CK MAY EXCAVATING is currently seeking an

Continental Construction is currently looking for

for a busy commercial / custom residential excavation business. Apply by sending a resume to: or call 406-539-2771

PROFESSIONAL EMPLOYMENT OPPORTUNITIES Food Service:

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NOW HIRING seeks to hire Apply in person between 2:00-5:30 PM, Mon-Thurs. No Phone Calls Please. General Help:

FT MERCHANDISER $10.00/HR PT & $12.00/HR FT. F/T positions include benefits. College students welcome to apply. Pick up application at Lehrkinds Coca Cola Bottling Co. 1715 N. Rouse, Bozeman Construction

Local masonry company looking for Masons and those wanting to learn the trade. Competitive wage with benefits. Year round work. Rides and additional compensation for work in Big Sky. Call the office 406-388-0832 or email

Cooks, Prep, Baker and Dishwasher. Apply in person at 2505 W. Main Professional

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A Bachelor's degree in Network Technology or related field. Selected applicant must have experience in current versions of Microsoft Windows, Microsoft Server, as well as experience in Linux and VMware ESX. Knowledge and understanding of Microsoft Office applications and the Adobe Suite is required. The applicant must also have experience in computer troubleshooting and repair. Preferred qualifications include: 3-5 years' experience in computer/network support; A+ certification; Experience in Storage Area Networks, and Hyper-V; Experience in multimedia devices; Experience in router and switch configuration; Experience in enterprise wireless networks. For more information and to apply visit . ADA/EO/AA/

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Medical:

Seeking a Part Time, patient-centered Family Nurse Practitioner or Physician Assistant who desires to work on a strong team, delivering remarkable care to the diverse needs of all. Collaboration & motivation highly valued. Half day Saturday clinic availability a must. Position available at our CHP Belgrade clinic. To apply, please send CV, references and letter of interest to Buck Taylor, taylorbu@chphealth.org or 19 E Main St, Belgrade, MT 59714. CHP is an equal opportunity employer and provider.

Full benefit package EOE/DFW. Email sw060608@gmail.com

At AmeriGas, the nation's largest propane distributor, we have an immediate opening for a motivated, customer focused Flex Delivery Representative for our Bozeman location. Flex employees' work 5-6 months, typically Oct – March, 40+ hrs per week. We offer: * Year round medical and prescription benefits * Yearly bonus plans * 401k w/Company Match * Propane discount yearround * Competitive wages * Paid holidays * Paid training Requirements include a high school diploma (or equivalent), a valid CDL with hazmat and tanker endorsements, a great driving record and satisfactory completion of a DOT physical drug test and background check. Apply online at:

Real Estate Loan Processor Rocky Mountain Credit Union, a growing, innovative Southwestern Montana credit union, is seeking a full-time Real Estate Loan Processor. This position is responsible for ensuring the timely and accurate packaging of all loans originated by real estate loan officers. This position may act as a liaison between outside funding institutions, appraisers, title companies, realtors & members, and is responsible for reviewing all documentation to ensure compliance with policies & procedures. The job requires 6 months to 2 years of similar or related experience. Competitive base wage + incentive compensation package available. Hours of work are generally 8-5, M-F. Qualified applicants should go to our Careers page, Apply for a Career, at www.rmcu.net, fill out our online application and follow the instructions for attaching a resume and cover letter. We offer excellent salaries and benefits. Applicants must have good credit. No phone calls please. EOE.

CONSTRUCTION:

Full Phase concrete contractor seeks form setters, finishers, and laborers. Valid driver's license a must. Full benefits after probation period. Wages based on experience. Call Jim 406-580-4233 or send resume to: Medical

is hiring a

. This position requires the ability to work in a variety of shifts to meet staffing needs of the facility. This is a great opportunity to work in a “5-star” personal healthcare setting. *Excellent pay. *Benefits including Health Insurance, Retirement, Life Insurance, vacation and sick time. *Relocation bonus. If you are interested in a rewarding career in healthcare, Madison Valley Manor is the place. Applications may be found at . The application and a complete resume should be sent to the Administration Office at Madison Valley Manor, 211 N. Main St., Ennis, MT 59729 or contact Christine Despres, DON at 682-7271 for more information. Application deadline is October 17, 2016. EOE.

Professional

General:

Business Development Director The Montana Newspaper Association, celebrating its 131th year of representing the Montana newspaper industry, is recruiting a Business Development Director. This key position is responsible for the marketing & development of print & digital advertising programs with regional and national business clients and works with our association members to expand Montana advertising programs and services. Other responsibilities include membership growth and coordinating our foundation fundraising activities. We are looking for an individual wellversed in marketing with the ability to build longterm business relationships with our members and clients. Candidates must have strong innovative, communication and organizational skills. We offer base compensation of $58,000 plus commission, bonus and work schedule flexibility. Please visit our website: Please email a cover letter and resume to: Jim Rickman Executive Director jim@mtnewspapers.com (406) 443-2850

First Montana Bank has an opening for a Full Time Commercial Loan Officer in Bozeman, MT. This position is responsible for the origination, servicing, & collection of commercial, consumer and real estate loans and the solicitation and development of additional customers to the Bank. Ideal candidates will have a proven track record of business development, marketing and sales. Attention to detail, effective customer service skills, an understanding of regulatory compliance as it relates to lending and working knowledge of Microsoft Office programs are a must. Qualified candidates must have a Bachelor's Degree and at least five years of Lending experience and/or training; or an equivalent combination of experience and education. EEO Employer. Apply online at:

MSU's Harrison Dining Hall is hiring a temporary Cook II. Experience required. 40hours/week. $12.005/hour. Call Rose at 994-7592 for details.

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is looking for motivated individuals to join our housekeeping team. Must be detailed, customer service centered and be able to work independently. Now offering a new pay structure! Employee choice of pay per hour or per room. We guarantee a minimum of $12 an hour & will pay more for experience. Please apply in person at 2305 Catron St

Professional A locally headquartered medical group seeking a customer service champion to fill our full time . This position supports customers who are seeking providers, grows membership through retention and research, sells membership programs and provides a voice to the executive team by utilizing great listening skills. Ideal candidate must have a strong service background, enjoy sales, phones, reporting, researching and working within a team.Competitive wages and benefits. Please send your resume to

Construction

. has immediate openings for experienced door and window . Framing & Carpentry Experience Necessary. Some travel required.Must have valid Drivers license. Health / 401K / Vacation. TOP WAGES - DOE. Send resumes or apply at: 18 Peregrine Way, Bozeman, MT 59718 info@mtsashanddoor.com mtsashanddoor.com

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. This is a great opportunity to work in a “5-star” personal healthcare setting. *Excellent pay. *Benefits including Health Insurance, Retirement, Life Insurance, vacation and sick time. *Relocation bonus. If you are interested in a rewarding career in healthcare, Madison Valley Manor is the place. Applications may be found at . The application and a complete resume should be sent to the Administration Office at Madison Valley Manor, 211 N. Main St., Ennis, MT 59729 or contact Christine Despres, DON at 682-7271 for more information. Application deadline is October 17, 2016. EOE.

Medical:

Seeking P/T (3 day per week) patient centered Nurse (RN/LPN) who believes in health and wellbeing for all for CHP Belgrade. Collaboration and motivation highly valued. To apply, please send resume, references and letter of interest to Buck Taylor taylorb@chphealth.org or 19 E Main St., Belgrade, MT 59714. CHP is an equal opportunity employer & provider. General: F/T Cook-primary hours 9:00 am-5:30 pm wkdays, 9:30am-6pm every other weekend and holiday. F/T Prep Cook-primary hours 5:30am-2:00 pm, every other weekend and holiday required. -Primary hours 7:00am-3:30 pm. Some shifts hours may vary. 1 Saturday per month required. F/T Food & Nutrition Associate - Patient Meal Services- primary hours 7:00am-3;30 pm, every other weekend and holiday required Casual Call Food & Nutrition AssociatePatient Meal Services primary hours 4:00pm7:30 pm as needed. 2 positions available Casual Call Food & Nutrition AssociateBistro Cafe hours include 3:00 pm-7:30pm and 4:00p-7:30pm as needed Please apply at :

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Local employee owned company has an opening for Dock Operations. This is a full time position with great pay and full benefits and room to advance. Qualified applicant should have forklift experience, computer skills, and able to lift 100lbs. Please call 406-656-6550 or send resume to PO Box 80012 Billings MT 59108

HOUSEKEEPERS PT. Start at $11/hr. Experience preferred, pply in person, 2020 Wheat Dr, Bzn.

Construction

Construction: Siding contractor needed for 6 homes on Big Sky. Homes like in kind; in same subdivision; good access site & good budget. 3-person crew min; consistent work for 6 months, immediate starts available. Please call Jamie 406-995-4811. Medical:

Clinic RN ( Off site) Full time, variable shifts, Excellent Benefits Pkg. Requires: Grad of Nursing school, MT Nursing License( valid) Valid AMA Healthcare Provider CPR card, Outpatient or Walk-in experience Medical Assistant ( Off site) Full time, Variable shifts Excellent Benefit package Requires: Certification in Medical Assisting from AMT or AAMA Valid AMA Healthcare Provider CPR card

Full time, Day shift, Mon - Fri Excellent Benefit package Requires: Bachelors degree in Accounting, Finance or related field, 5-7 years accounting. Please apply on-line at:

Continental Construction is currently looking for Painter/Cabinet Finisher Skilled in lacquer and other finishes

Full benefit package EOE/DFW. Email sw060608@gmail.com Professional

has entry level and experienced positions open for highly motivated applicants with excellent communication skills and a desire to apply their abilities in a fast paced and exciting professional environment. The qualified applicant will have at minimum a bachelor's degree in accounting and will have either obtained or be actively pursuing the CPA designation. Experience in income tax, accounting and auditing, government and not for profit accounting, and/or business valuations are a plus. Our firm offers a great benefits package and salary will depend on experience. If you are interested, send your resume to: Holmes and Turner, PC Attn: Duane W. Moulton 1283 N 14th Ave STE 201 Bozeman, MT 59715 Email:

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Driver

Straight truck and Class A CDL positions available, pay starting at $19.30 DOE, with an employee owned company with great benefits. Apply with in or send resume to

Professional Montana Values...

Seeking driven individuals looking to start their banking career. Be part of a company that exemplifies deep on Montana roots. We have or a position available in her Bozeman on Kagy Ave: Commercial Loan Assistant e To learn more & apply visit us online at m EEO/AA Employer M/F Disabled and Vet.

nd s General: ted ent nd r ed nal PT Front Desk fied Wage starts @ $11.00. t pply in person, s 2020 Wheat Dr, Bzn. and d or he General:

ax, ng, or /or ea a ge on e r

MSU Dining Halls need temporary staff. 40 hours per week/shifts vary. Entry level & experienced cooks welcome to apply. Wages vary by position. Call Marilyn at 994-4270. General:

Spectators is Hiring

PC We fired the jerk, really need Day-time Cook on 201 some night shifts avail. Great pay, Benefits 5 Package. Apply in person 19 Tai Lane 22

Professional

As a City of Bozeman employee, you will be part of a team that is committed to impacting & serving the community. This great opportunity also provides enrollment in an established retirement system, with significant employer contribution, generous vacation and sick time accruals, & excellent medical / dental / vision benefits. Join us at the City of Bozeman, the Most Livable Place! The CITY OF BOZEMAN is recruiting to fill the following positions: PART-TIME RECREATION LEADER I Organize, implement, evaluate, and market recreation programs/events for people of all ages and abilities in the community. Must be creative and inventive under the guidelines to ensure community participation an satisfaction of the event attendees. Experience in ice-skating, curling and working with children ages 5-12 is preferred. Hours: 12-14 hrs/wk from August 15th-June 8th, and 26-30 hrs/wk from June 9th-August 14th. Wage: $11.25/hour Application Deadline: Open until filled INFORMATION TECHNOLOGY HELP DESK / PUBLIC SAFETY SUPPORT The City of Bozeman is in search of a full-time IT Help Desk professional to assist City technology users, with a primary focus on Public Safety hardware and software. Salary: $18.1442 - $21.3462/hour. Application Deadline: October 5, 2016 @ 5pm PARKING CLERK Performs a variety of specialized duties in support of the collection of parking tickets and maintenance of financial records for the City Parking Division. Must provide exceptional customer service, in person at the front counter and over the telephone, while also maintaining multiple technical databases. Wage: $13.1596 - $15.4846/hour depending on experience and qualifications. Full-time opportunity with benefits! Application Deadline: September 28, 2016@5pm STREETS OPERATOR Performs work in the construction, maintenance and repair of the City's streets. Must have 1-3 years-experience in manual labor and in the operation and maintenance of heavy equipment, machinery, and hand/power tools. Wage: $16.91-$19.89/hour depending on experience and qualifications. Full-time with excellent benefits! Application Deadline: Open Until Filled FACILITIES CUSTODIAN The City of Bozeman is seeking a part-time custodian to perform custodial / cleaning, and light maintenance duties in City buildings, facilities, and adjacent grounds, primarily at the Public Library. Hours: 20 hrs/wk, typically Tues-Sat 2p-6p. Wage: $13.31-$15.66/hour depending on experience and qualifications. Application Deadline: Open Until Filled BUILDING INSPECTOR II The City of Bozeman is in search of full-time Building Inspectors. This essential role in the Building Division is responsible for performing a variety of plan reviews and detailed/technical inspections on buildings under construction pertaining to adopted codes, laws, and regulations, and ensuring new & existing construction complies with related building codes, energy codes and local ordinances. Salary range: $21.04 to $24.76/hour depending on experience & qualifications. Application Deadline: Open Until Filled TO APPLY: Go to www.bozeman.net/jobs, click on the position listing, and follow the specific application instructions

S E P T E M B E R 27, 2 016 â&#x20AC;˘ B U S I N E S S J O U R N A L

Accounting

Professional

General:

Professional

HRDC, your local non-profit community action agency, has a full time opening for an

RPM Accountant. This position requires a Bachelor's degree in Accounting or related field. For additional information about this position, or to apply please visit www.thehrdc.org TTY 1-800-253-4091 EOE/AA.

Professional First Montana Bank has an opening for a Full Time Branch Retail Manager in Bozeman, MT. This position is responsible for managing the Branch retail function and ensuring that processes and procedures are fully implemented and compliant with Bank policies/regulations. Additionally, this position is accountable for coordinating and supervising the activities of the Branch retail team to maintain operational effectiveness and provide efficient and courteous customer service/support. Qualified applicants must have a High School Diploma or GED with one (1) to three (3) years related experience and/or training, or an equivalent combination of education and experience. Must be able to demonstrate a positive academic record with basic math aptitude and proficiency. Post high school education and/or five years work experience preferred. Relevant banking experience as a teller, financial service representative and at least 2 years of supervisory experience preferred. EEO Employer. Apply online at:

Must meet FAR 119.71 experience requirements. Salary DOE with benefits. Send resume to bmiller@northernskies.com Medical:

Seeking

who believes in a mission of health and wellbeing for all, for Community Health Partners (CHP) Bozeman. Patient centered environment; collaboration, motivation, attention to detail highly valued. Previous medical administrative experience preferred. Tuesday-Saturday schedule with closing shifts a must! Please send resume, references, and letter of interest to Patti Gee, or 214 E Mendenhall, Bozeman, MT 59715. CHP is an Equal Opportunity provider & employer. Clerical/Office: A leading innovator in the design and manufacture of medical equipment, is currently seeking a customer support specialist in our Bozeman office. The ideal candidate must have at least one year of customer service experience within a manufacturing industry and a HS Diploma or GED. Professional phone etiquette, outstanding communication, interpersonal, and relationship building skills are essential. Excellent computer skills in MS Office are desired. We offer a competitive compensation and benefits package including a 401(k) plan. If you are interested in joining a dynamic growing organization, please forward your resume and salary history to: r_michelle41@hotmail.com

YoU a HeaDaCHe?

PT/FT HOUSEKEEPERS $12/hour Apply in person 6195 E. Valley Center Rd General Help

Be Part of a winning team All positions available Many benefits include free meals and paid vacations Competitive wages Apply in person 3240 Technology Blvd West, Bozeman MT Professional

is HiRinG GivinG

BioScience Laboratories has on opening for a QA Specialist. Qualified candidate should possess a scientific research or laboratory background with a high level of attention to detail and accuracy. BioScience Labs offers competitive wages. Fully paid H&M Ins. 401(k) plan, FLEX plan, life, dental & vision after probationary period. No phone calls please. Email resume to

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Responsibilities include but are not limited to purchasing, receiving and maintaining accurate inventory of all course materials for Montana Tech & Highlands College; working closely w/faculty, staff and vendors; opening and closing the store as needed which includes preparing deposits and understanding cash flow; act as backup cashier as needed; provide excellent customer service. For more information and to apply visit ADA/EO/AA/ Veterans Preference. General at several of our apartment complexes. Previous exp. helpful. Early A.M. Hours are necessary. Competitive wages w/guaranteed hours. Please email resume or work experience to: No walk-ins please.

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Saturday and Sunday Evening Porter / Meeting Set Up. 4pm-midnight. Must have valid driver's license. Pick up application at 1370 N 7th Ave Construction:

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S E P T E M B E R 27, 2 016 â&#x20AC;¢ B U S I N E S S J O U R N A L