Heather Malcolm, a 2020 Rising Stars in Banking honoree, describes her work promoting the ag industry with the American Bankers Association, how technology has or hasn’t changed how rural banking, what it’s like being a young, female ag loan officer in a field where the default is old and male, and the current state of the ag industry.

“It’s the same ag banking philosophy; it’s just expanded a little bit,” said Malcolm, an agricultural lender with Bank of the Rockies, Livingston, Mont. “Farmers and ranchers are the eternal optimists: ‘It will always be better next year.’”


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