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About Us

Christopher Jernigan

Christopher (CJ) Jernigan , President / Owner,
has been in the leasing industry since 1997. Previously, he was a shareholder in a credit card sales company in the Washington D.C. area. He studied Mathematics at SDSU, and spent 8 years in the National Guard as an Officer.

Ken Clovis

Ken Clovis, Vice President,
joined our Company in June 2007. Ken attended school at ASU in Arizona for 2 years. After attending school at ASU, Ken returned to Billings, MT and began to get involved in the towing and recovery industry. He started working at Hanser's Wrecker Company where he was supervisor and sales manager for 13 years.


Justin Talley, CPA Chief Financial Officer,
joined our company in December 2016. Justin attended school at the University of Montana and received a BS in Business Administration Accounting. Upon graduating he served as an active duty Army Finance Officer for 4 years. Justin returned to Great Falls, MT in 2012 as a CPA specializing in tax, business advisory services, and financial advisory services while serving in the Montana National Guard as an Officer. Justin also holds licensing for life and disability insurance.

Brian Hendrickson

Brian Hendrickson, Account Manager,
joined our Company in October 2010. Brian is a devoted husband married to Courtenay. They have two boys, Cole 14 and William 2. He has served the United States in the United States Navy as a Plane Captain and his community by coaching high school hockey for 6 years (recently retired). Brian is very proud of recently being baptized. Also, Brian is very grateful for the opportunity that the Jernigan family and Montana Commercial Credit has given him.

Jerry Reynolds

Jerry Reynolds, Account Manager,
joined our Company in August 2012. After growing up in eastern Wyoming and western South Dakota, Jerry become involved in the trucking industry selling trucks for Kenworth for more than 20 years. While there, he had the pleasure of doing business with Montana Commercial Credit and was very impressed with the way financing was handled. He said, "Montana Commercial Credit did exactly what they said they would and also took the work out of financing the transaction, allowing me to focus on the sales and delivery process." Jerry is thrilled to have the opportunity to be part of the Montana Commercial Credit team and to continue to serve the transportation industry.

Andrea Bell

Andrea Bell, Account Manager,
joined our Company in October of 2011. Andrea has over 5 years prior operations experience in the banking industry. She also has an Associates degree in Applied Science Respiratory Therapy from the University of Montana, MSU COT.

Kristina Jupka

Kristina (Kris) Jupka, Account Manager,
has been in the leasing industry since 1992. Prior work experience was in the management area of 2 regional CPA firms, one in Los Angeles, California and the other in Missoula, Montana. She passed and qualified for the Certified Lease Professional (CLP) designation in November 1999.


Courtenay Hendrickson, Account Manager
joined our company in October of 2016. Courtenay is a wife to Brian and mother of two boys, Cole and William. She was born and raised in Great Falls, Montana and is excited for the adventure to be part of the Scottsdale, Arizona office. Courtenay has a background in consumer lending for the last 13 years. Although new to the commercial end of finance at MTCC, her decade long experience in the lending industry shows through. While being a true professional, her goal is to help customers wherever possible along their equipment finance journey and to provide her clients with exceptional service.

Kim Robertson

Kim Robertson, Credit Manager,
joined our Company in March 2007. Kim has over 3 years prior experience in credit and documentation in the banking industry. She also has an Associates Degree in Accounting from Montana State University.

Jody Arvanetes

Jody Arvanetes, Finance Processing Specialist,
joined our Company in December of 2003 with a leave of absence from August 2007 to October 2010. Jody has over 6 years prior experience in credit and documentation in the banking industry. She also has a BBA in Finance and Economics from Washburn University in Topeka, Kansas.

Josh Braxton

Josh Braxton, Finance Processing Specialist,
joined our team in September 2015. Previously he worked at the Meadow Lark Country Club managing and overseeing food service. Josh is originally from Great Falls, MT, and has a two year old son named Keaton. He currently majoring in Accounting and Business Management at GFCMSU. Josh says he is very excited about the new experience and appreciates the opportunity MTCC provides.


Cindy Clovis, Finance Processing Specialist Assistant,
joined our company in October of 2015. Prior to coming to MTCC, Cindy worked in the medical industry for 25 years where she was a certified medical coding specialist.

1106 Central Ave Great Falls, Montana 59401            Phone: (406) 268-9840 - Toll Free: (866) 268-9840 - Fax: (406) 268-9839

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