1. Check points 1
   1. Credit report (SOP)
      1. CBM Report (Generate within 30 days)
      2. CTOS Report
         1. SAS.V2.IM2U (Generate within 30 days)
         2. TNG Self purchase
         3. GOV/Pay slips with Biro Deduction (Bundle with Angkasa History)
      3. RAMCI Report (Generate within 30 days)
         1. If have target bank to BSN/HSBC/UOB
         2. Bank also got refer RAMCI report
            1. MBSB
            2. CO-OPBANK
            3. BANK RAKYAT
            4. AL-RAHJI
            5. Manager Level
            6. PBB
      4. BNM E-CCRIS (Optional)
2. Check points 2
   1. System Review (SOP)
      1. Check income correctly input at SAS.V2.IM2U
         1. Salaried
         2. Full Commission Earner
         3. Government
         4. Self Employed
         5. Up to last month income documents was done uploaded in SAS.V2.IM2U
      2. Initial Proposal
         1. Created and submitted to credit approval
         2. Must have repayment strategy if involved with settlement
         3. System Status
            1. Sub Status
            2. Credit Application
            3. Advisory Status
            4. Prospects
      3. Engagement details was obtained from client and being filled
3. Check points 3
   1. Review on income docs
      1. EPF
         1. Review 2 years statement available
         2. Review on MAJIKAN different status across 2 years
         3. Review EPF contribution monthly consistency
         4. Review any breakdown contributions in between
         5. Justify with any double contributions on same month
         6. Review on EPF Acc 2 + 3 balance status
      2. Pay slips
         1. Review on figure matching
         2. KYC and Advice on Advance deduction if any
         3. Koperasi deduction
         4. Any unpaid leave deduction
         5. consistent on variable income
      3. statement
         1. Personal
            1. income crediting match
            2. Any suspicious commitment repayment crediting
            3. Review potential AMLA/MULE account
            4. Can PM B.Rakyat to check separately
         2. Company
            1. Summary total credit / debit ending balance
            2. Any invalid over limit
            3. Any return cheque
            4. Remove credit risk crediting transaction
            5. Any invoicing to mitigate big transaction
            6. Any subsidy company transaction to ignore
            7. Review potential AMLA/MULE account
            8. Can PM B.Rakyat to check separately
      4. Tax income
         1. 2 years consistently declaration available
         2. Any high jump above 25%
         3. Any declaration after expiry date
         4. Any pending of tax payment
      5. IC Copy
         1. All figure are clear to be read
         2. Without cross for any others purpose
         3. Standard A4 size copy (Non photos)
         4. Mainly check correct ID referring to only
      6. Tenancy Agreement
         1. With Stamping and Validity within 6 months expire
         2. Rental was credited by tenant at bank statement with latest 3 months record
      7. Review condition
4. Check points 4
   1. Strategy review (SOP)
      1. Min 2 banks eligibility
         1. Banker confirmation needed
            1. Clean CCRIS
            2. Singapore income
            3. Settlement beyond 75k
            4. Self Employed
            5. Contract salaried
            6. Full variable income / Full commission income
         2. Credit ratify on eligible calculation
         3. Result / Feedback to record in SAS.V2.IM2U Chat box - under title (Submission)
      2. Manual calculation
         1. Bank Rakyat (HL)
         2. MBSB (HL)
         3. BSN (HL)
         4. ALL BANK (PL)
            1. Involved with credit loan settlement case
            2. Involved with merchant settlement cases
      3. Credit checklist
         1. RULE78 Manual copy
         2. Credit Office checklists
      4. Review amd understand advisor prepared proposal + before and after
         1. KYC 1 - Living commitment
         2. KYC 2 - Advisoy finding questionnaires
      5. Review and list IBL and bad recorded banks at message chat box (SUBMISSION)
         1. request to check IBL with banker if suspicious found
      6. Review on employment Stability
         1. If join below 1 years (YES)
            1. Previous company details recorded in engagement part
         2. If join below 1 years (NO)
            1. Not applicable
      7. Non settlement item
         1. Latest month repayment history can not hit "1" with MIA.
         2. To request payment proof either comment in chat box or screen shot uploaded in system
5. Check points 5
   1. Property involved (SOP)
      1. Title
         1. Malay reserves land or not?
         2. How log is the tenure if still with Master stages
      2. Leasehold
         1. How many years remaining to expired?
      3. SPA
         1. How many ownership?
         2. Vendor Bankruptcy check status
         3. Vendor still available / pass away ?
      4. CCC
         1. Target completion by?
         2. Date of CCC
      5. Valuation (Sub-sales)
         1. Past value check valid for 6 month (Normally)
         2. Refer to Valuation Table
      6. EF bank eligible
         1. MOF credit view with targeted bank
         2. EF remaining limit
         3. EF pending validity