Scott McComb speaks with Joel Oney, Vice President, Manager of Agribusiness Lending at Heartland Bank. Joel has over 20 years of agricultural finance and leadership experience with Ohio and Kentucky farmers. He received his bachelor’s degree in Dairy Science from The Ohio State University and his master’s degree in Animal Nutrition from the University of Kentucky. Joel was born and raised on a dairy farm in northern Ohio where his family milks more than 500 dairy cows today. He has also served on various county and state boards serving the livestock industry.