1.
Risk Management Careers
Vision Statement
To create a prudent risk environment which enables MainSource to achieve its goal of being a great bank.
Widely misunderstood but an essential part of a healthy company, Risk Management is tasked with providing
oversight of the risk management activities of the key areas of MainSource.
A common misperception of Risk Management is that we are the “cops on the beat” who engage in finger
pointing, hassle colleagues with trivial nit picking and put obstacles in the way of those trying to get business
done. Nothing could be further from the truth.
A better way to think about it is safety inspections or manufacturing quality control. You wouldn’t want to buy a
product that hasn’t been examined for safety and double checked to make sure that it works as advertised
would you? Well the same is true for banks. In Risk Management, we think about things that can go wrong and
how a problem can be prevented before it happens. People who are successful in risk have an eye for detail,
have a wide ranging understanding of how MainSource works (operationally and strategically) and can put these
skills together to proactively think about and anticipate potential problems that might emerge in different
situations. Sometimes that takes the form of a “control” which is a rule or procedure put in place to reduce the
chance of something going wrong. Other times, it is a review of existing controls to make sure that we are
sticking to the script and there are no procedural breakdowns
You also need to keep informed about changing banking rules and regulations and be comfortable navigating in
the gray areas. For example, sometimes you will need to be able to give an informed opinion about whether a
certain form of advertisement will violate any compliance rules or whether a certain transaction or product,
seemingly innocent at first glance, actually would be viewed as harmful by regulators and consumer advocates
(Compliance).
Like technology? Then Information Security is right up your alley. Here we monitor our computer defenses to
make sure our confidential data and customer information is secure. We also work closely with our Information
Technology colleagues to review system controls and help assess what went wrong when a breakdown occurs.
Picture yourself in Law Enforcement? Then Physical Security is for you. Here we work with our branches to
make sure our alarms are working and we have safe working environments. When crimes do occur, we
investigate what happened and work with the police by gathering evidence and details that might help them
apprehend a criminal.
You are probably already aware that fraud and criminal activity have increased and are becoming progressively
more sophisticated and complex. That’s where teamwork comes into play. Risk relies heavily on the efforts of
our colleagues in the field—both in the branches and operations to be our eyes and ears and really be our first
line of defense. But sometimes our eyes deceive us and our memories fail us which is why we use detection
software to help us monitor and detect unusual activity and weird trends (Electronic Security/Fraud).
With the recent deep freeze, you may be wondering how prepared are we for emergencies or disasters (natural
or otherwise). That’s the role of Business Continuity which reviews the contingency plans for the key areas of
MainSource and helps them get ready by rehearsing and testing the plans.
So is risk only about rules, regulations and procedures? Nope. Consider Loan Review. Here we also take a
second look at loans that we have made (both consumer and commercial) to make sure that we’ve accurately
evaluated and documented the credit risk and followed our established guidelines.
Do you like doing research, performing investigations or consulting on operational improvements and effective
risk techniques? Then you should consider a move to Internal Audit. We serve as the eyes and ears of our
Board of Directors and Executive Management. They rely on Audit to provide an independent assessment of how
well MainSource is following government regulations and our approved policies and procedures as well as
complying with Sarbanes Oxley (SOX). Why independent? As much as we would like to “roll up our sleeves and
help” our colleagues fix problems we’ve identified, doing so would compromise our objectivity. In other words,
we would be reviewing our own work which adds no value at all.
As you can see, Risk Management is involved in all aspects of MainSource and that is what makes it interesting
and intellectually challenging. In today’s complex world, a healthy understanding of risk is essential to both
MainSource’s future success and for your career.

2.
Vision Statement
To create a prudent risk environment which enables MainSource to achieve its goal of being a great bank.
MainSource product and market knowledge Functional knowledge of risk mgt systems/reports
Risk management techniques Strong risk identification and analysis instincts
Learning company structure and risk profile Accounting, finance and economics base
Integrity Consensus builder Logical
Curious Dependable Negotiator
Good listener Ethical Wants mentoring
Quick learner Dedicated Humble
Team player Respectful Common sense
Well-developed verbal/written communication Developingnegotiation/presentationskills
0
Advanced knowledge ofMainSource and banking Specialized product knowledge
Advanced risk identificationandanalysisinstincts Process/operational experience
Project management Knowledge of risk mgt systems/reports
Strong analyst Problem solver Trainer
Influences change Inquisitive Strong negotiation techniques
Attention to detail Credible Strong verbal/written communication
Fine-tuning presentation skills
Beinga Great Bank
Safe Harbor Guidance