1. SSE
   1. sas.im2u advisory
      1. customer latest doc
         1. Salaried
            1. Basic Docs
            2. CTOS Consent Form
            3. Ramci Form
            4. Latest 3 month pay slips
            5. Latest 2 year EPF statement (Latest date)
            6. IC Clear Copy [Front & Back with color]
            7. Complete salary bank statement
            8. Utility Bill - current staying address
            9. EA Form & Bonus slip ( latest 2 years)
            10. Complete ALL information fill at IM2U
            11. Supporting Docs
            12. Staff Name Card
            13. Letter of Confirmation [LOC]
            14. Professional Certificate
            15. Tenancy agreement (If have property rental)
            16. Past 2 years Borang BE
            17. Submission Docs
            18. Housing Loan
            19. New project
            20. Booking Form
            21. Bank application form
            22. Sub Sales/ Refinance
            23. Sales and Purchase agreement (SPA)
            24. Title (Master/ Strata/ Individual)
            25. Proof of purchase / OTP Form/ Booking Form
            26. Latest Housing Loan Statement (Refinance only)
            27. Personal Loan
            28. Bank Pre-sign Application Form
            29. Credit card
            30. Bank application form
            31. All latest document (up to date)
            32. Settlement Docs
            33. Credit Loan
            34. Active Facility
            35. Without remove from CCRIS
            36. PTPTN
            37. Settle lapse payment
            38. Existing Loan (Lapse Payment) only for MIA 1
            39. Remove from CCRIS
            40. Redemption letter
            41. Expired
            42. Obtain new redemption letter
            43. Check with existing bank/ FI current outstanding
            44. Valid
            45. Proceed to settlement
            46. Excel Settlement swipe back chart (settlement proposal)
            47. Release Letter
            48. Follow up bank system closing status
            49. Follow up with CTOS update status
            50. Inactive Facility
            51. Remove from CCRIS
            52. Redemption letter
            53. Expired
            54. Obtain new redemption letter
            55. Contact bank /FI to obtain the latest figure
            56. Valid
            57. Proceed with settlement
            58. Excel Settlement swipe back chart (settlement proposal)
            59. Release Letter
            60. Follow up bank system closing status
            61. Follow up with CTOS update status
            62. Merchant
            63. Active Facility
            64. Collect physical credit card
            65. Settlement done
            66. Swipe back before 5th of next month
            67. Return CC to client
            68. Acknowledge client received CC
            69. Obtain latest online / login print screen
            70. Obtain latest credit card statement
            71. KYC supplementary card
            72. Obtain PIN number
            73. Excel Settlement swipe back chart (settlement proposal)
            74. Inactive Facility
            75. Submit to credit loan
            76. Redemption letter
            77. Expired
            78. Obtain new redemption letter
            79. Contact FI/Bank to obtain the latest figure
            80. Valid
            81. Proceed for settlement
            82. Excel Settlement swipe back chart (settlement proposal)
            83. Release Letter
            84. Follow up bank system closing status
            85. Follow up with CTOS update status
            86. SAS Docs
            87. Arrangement Fees Submission
            88. SAS Solution Form
            89. PCB Submission
            90. KOHATA Form
            91. PDPA Form
         2. Self Employed
            1. Basic Docs
            2. CTOS Consent Form
            3. Latest 6 month company bank statement
            4. Past 2 years Borang BE / B
            5. SSM
            6. SDN BHD
            7. Super Form
            8. Sole prop
            9. SSM (Full Set)
            10. Complete Docs
            11. IC Clear Copy [Front & Back]
            12. 3 year auditor report
            13. Supporting Docs
            14. Site Visit Photo
            15. Selected Company Invoices
            16. RAMCI Consent form
            17. Submission Docs
            18. Housing Loan
            19. Booking Form
            20. Bank Pre-sign Application Form
            21. Complete ALL information fill at IM2U
            22. Personal Loan
            23. Bank Pre-sign Application Form
            24. Complete ALL information fill at IM2U
            25. Credit card
            26. Before Settlement collect Card
            27. Credit card statement all bank
            28. Online banking screenshot show latest outstanding and available balance
            29. if available not tally , need clarify instalment hold amount
            30. Card active or not
            31. inactive go to credit loan
            32. provide card pin number
            33. after return card remind customer change card pin
            34. Merchant charge
            35. Swipe Amount
            36. formula is divide 0.92
            37. Top up
            38. credit loan
            39. cash
            40. Company Profile application
            41. All director consent acknowledgment
            42. check company ccris
            43. Check director ccris
            44. Bank Application Form
            45. Complete ALL information fill at IM2U
            46. Settlement Docs
            47. Credit Loan
            48. Active Facility
            49. Without remove from CCRIS
            50. PTPTN
            51. Monthly instalment
            52. Credit Card without swipe back
            53. Remove from CCRIS
            54. Redemption letter
            55. Expired
            56. Obtain new redemption letter
            57. Contact FI to obtain the latest figure
            58. Valid
            59. Release Letter
            60. Follow up bank system closing status
            61. Follow up with CTOS update status
            62. Inactive Facility
            63. Remove from CCRIS
            64. Redemption letter
            65. Expired
            66. Obtain new redemption letter
            67. Contact FI to obtain the latest figure
            68. Valid
            69. Release Letter
            70. Follow up bank system closing status
            71. Follow up with CTOS update status
            72. Merchant
            73. Active Facility
            74. Collect physical credit card
            75. Settlement done
            76. Swipe back before 5th of next month
            77. Return CC to client
            78. Acknowledge client received CC
            79. KIV Settlement
            80. Seeking approval from SSA
            81. Return CC to client
            82. Acknowledge client received CC
            83. Obtain latest online / login print screen
            84. Obtain latest credit card statement
            85. KYC supplement card
            86. Obtain PIN number
            87. Inactive Facility
            88. Submit to credit loan
            89. Redemption letter
            90. Expired
            91. Obtain new redemption letter
            92. Contact FI to obtain the latest figure
            93. Valid
            94. Release Letter
            95. Follow up bank system closing status
            96. Follow up with CTOS update status
            97. SAS Docs
            98. Arrangement Fees Submission
            99. SAS Solution Form
            100. PCB Submission
            101. KOHATA Form
            102. membership fees $400
            103. 1004-1006 [Operation inform]
         3. Government
         4. Commission Earner
      2. KYC
         1. customer needs
         2. employment verification
         3. personal info
         4. monthly commitment (KYC link)
         5. List of Bank (CCRIS)
         6. Bad record bank/ Blacklist bank
         7. Any other credit loan outside (AH LONG)
         8. CCRIS loan verification (SAA/Trade Reference)
      3. Main Statue update
         1. Pending Doc
            1. Sub Statue update
         2. Pending KYC
            1. TAT
         3. Pending Appointment
            1. TAT
         4. Pending Signing
            1. TAT
         5. Prospect
            1. TAT
         6. Initial proposal
            1. TAT
         7. Accept proposal
            1. TAT
         8. Pending Credit Loan LO
            1. TAT
         9. Credit LO Ready
            1. TAT
         10. Settlement Progress
         11. Submission to Bank
         12. Client Consider
         13. Uncontactable
         14. Client Consider
         15. Dropped case
         16. Client Declined
         17. Loan Rejected
         18. Subtopic 18
   2. Proposal
      1. Update latest status
         1. Daily update
            1. Status update
            2. Monday.com
            3. Chat group print screen
            4. Status update
            5. Microsoft Team
            6. SAS.IM2U
            7. Prospect Follow up
            8. Positive replied
            9. Follow on next item
            10. Negative replied
            11. Obtain advice from SSA for next action
            12. No reply
            13. Continuous daily chasing min 1 times
            14. 3 days no reply seek for SSA advice for next action
            15. Client SMS reply TAT
            16. Standard 1 hours
         2. Weekly update
         3. Monthly update
      2. New 10 IM2U Handling Cases
         1. Survey form after SPA Signing done
      3. TAT - 7 Days
      4. Initial proposal
         1. Good
            1. All required KYC was being conducted and completed
         2. Poor
            1. Initial proposal was not being generated
      5. Settlement Follow up
         1. Good
            1. Follow standard TAT' SOP
            2. Accuracy on settlement figure submit to operation department
         2. Poor
            1. Beyond settlement TAT' SOP
            2. Any mistake was found from settlement
      6. Document Preparation
         1. Good
            1. Full set Signing document was being ready
            2. Complete information being updated
         2. Poor
            1. Signing document was done by many times
            2. Information was not being update - mandatory fields
      7. Site Visit Handling
         1. Good
            1. Well explain on project with prospect
            2. Obtain Photo with prospect
            3. On time appointment
         2. Poor
            1. No explain on project with prospect
            2. Late from appointment
      8. SPA Signing
         1. Good
            1. Obtain Photo with prospect
            2. Cross check NET PRICE was not shown SPA
         2. Poor
            1. No check the NET PRICE on SPA
   3. Status Update
      1. System, Monday.com, and MT(only for prospect)
         1. Pending Document
         2. Strategic planning
            1. Eligible Checking
            2. Housing Loan
            3. PL
            4. Sub-sales Property Value
            5. Check with WhatsApp Check Value Group
            6. Property Matching
         3. Prospect
            1. Go Loan Eligible To Proceed
            2. Must Update In MT
         4. Pending Appointment
            1. Appointment Setup Via Zoom/Physical
         5. Drop
            1. Customer Decline
            2. Red Basket
         6. KIV
            1. Pending Join Name
            2. Matching Suitable Property
            3. Pending Funding
            4. Beyond SOP
      2. IM2U income checking (Step 3)
         1. Govt. Servant
            1. Payslip Deduction match with CTOS
         2. Salary Earner
         3. Self Employed
         4. Commission Earner
            1. Need to recheck commission have any EPF deduction.
2. SSE Manager
   1. Mena
3. SSA Manager
   1. Group Sales Achievement
      1. 3 SSA group sales number
      2. 150k group revenue point per month
      3. If team not achieve, can add in self achievement figure
   2. Team individual Achievement
      1. Min 2 SSA achieve individual sales number
      2. Grade 10 - 24k, Grade 11 - 36k, Grade 12 - 48K
   3. Training and skill set upgrading
      1. Presentation skill
      2. Property Knowledge
      3. Financial planning skill
      4. Loan Strategy
      5. Debt to wealth strategy
      6. Sharing session
   4. Problems solving
      1. Cash Back
         1. Outside market got better cash back offer
      2. Property
         1. Client change mind after HL was approved
      3. Swift plan
         1. Changing property OR banks OR loan OR offer package from initial proposal
      4. Client complaint
         1. Handle client emotions
      5. Math calculate different from proposal
   5. Cases study solutions / advice
      1. Manage to revise OR re-strategy the fail case
   6. Monitoring on SSE/SSA tasks completion
      1. Weekly review SSE tasks completion
      2. Weekly review SSA tasks completion
   7. Financial planning skill set - 10 years plan (case to case basis) estimate launch June 2023.
   8. Monthly appraisal (121)
      1. Monthly tasks setting
         1. SSA - KPI as core focus
         2. SSE - Tasks completion as core focus
      2. Monthly appraisal review
      3. Quarterly tasks review
         1. Authorize proposal new tasks setting
            1. Approval from HR
            2. Proceed to revised on new changing
            3. Decline by HR
   9. Monthly reporting
      1. Revenue Point Report
      2. SSE/SSA Individual Appraisal report
      3. Commission Report for each SSA/SSE
   10. Initial proposal approval cases
       1. within 1 working day to input comment
       2. Approval within 2 workings day
   11. Attend Meeting
       1. Cross department meeting
          1. Operation
             1. PIC
             2. Signing Progress update
          2. INVINITY CREDIT
             1. PIC
             2. Collection report update
             3. Debtor
             4. Problem Cases
             5. Monthly settlement update
             6. Monthly approval update
          3. Finance
             1. PIC
             2. Cash back update
          4. Property
             1. PIC
             2. Project update
          5. Sales Department
             1. Sales Head
             2. Loan Officer
             3. PIC
             4. Bank guideline update
       2. Standard meeting required max not more than 3 hours
4. SSA
   1. Mobile Team
      1. Target
         1. Revenue Point
            1. Grade 10 - 24K
            2. Grade 11 - 36K
            3. Grade 12 - 48K
         2. Client
            1. Grade 10 - 4
            2. Grade 11 - 5
            3. Grade 12 - 6
      2. Appointment
         1. Zoom
         2. Face to face
         3. Cooperate visit
      3. 30 Working hours weekly
         1. Flexible Saturday / Sunday
   2. Internal Team
      1. Target
         1. Revenue Point
            1. Grade 10 - 24K
            2. Grade 11 - 36K
            3. Grade 12 - 48K
         2. Client
            1. Grade 10 - 4
            2. Grade 11 - 5
            3. Grade 12 - 6
      2. Appointment
         1. Zoom
         2. Face to face
         3. Cooperate visit
      3. 9 - 6 HR working hours
   3. Proposal Presentation
      1. During Appointment
         1. Introduction PPT (10 mins)
         2. FINSCORE Report Review
         3. Settlement Charges
            1. Credit Loan Charges
            2. Show Credit Loan Calculator
            3. Merchant charge
            4. formula is divide 0.92
         4. Loan Application Step
            1. Housing Loan
            2. P.Loan
            3. Car Loan(5% from loan amount, if without sell car strategy)
         5. Property Details
            1. Property Simulation Plan (From IM2U)
            2. Any Fees Must Let Client Know
            3. Progressive Interest
            4. MOT
            5. Renovation Fees
            6. Valuation Fees
            7. Legal/Disbursement Fees
            8. Tenant Management
            9. Potential (Project Future Development)
            10. Rental Comparison
            11. Exis Plan
         6. Time Frame
            1. Start From Settlement Stage To Cash Back Disbursement (6 to 9 months)
         7. SAS Solution Form
            1. Explain T&C Highlight All Charges, Include KOHATA Membership Fees
            2. Face to Face Require Customer Initial All Pages
   4. Problems solving
      1. Cash Back
         1. Outside market got better cash back offer
            1. Acknowledge Which Project, Which We Can Counter Offer.
            2. Explain FINTOS Eco System
      2. Property
         1. Client change mind after HL was approved
            1. Know The Reason Why?
            2. Set Appointment Meet Up Face to Face
            3. Cancellation Fees 10% Of The SPA Amount
      3. Swift plan
         1. Changing property OR banks OR loan OR offer package from initial proposal
            1. Explain The Reason Why We Change The Plan
      4. Client complaint
         1. Handle client emotions
            1. Listen To Their Complain, Acknowledge And Give Solution.
   5. Solution Provider
   6. Financial Proposal
      1. Cashflow Planning (case to case basis)
         1. MLTA
         2. JV Fund Investment
   7. Appointment
      1. Zoom
      2. Face to face
      3. Cooperate visit
   8. Source of Leads
      1. Agency
      2. Business Partner
      3. Green basket team
      4. Mobile referral
      5. Personal
      6. Digital Marketing (D2W)
   9. Managing SSE
      1. Assigning leads
      2. Monitor SSE tasks completion
      3. Appraisal
   10. Qualification
       1. Certified Financial Planner/Register Financial Planner
       2. SAS Debt management strategy
          1. Pass and certified by SAS Director
       3. Must have Mortgage knowledge
          1. Certified by SSA Manager
       4. Internal Promotion
          1. Subject To Superior Recommendation and Performance, and Go Through Certain Assessment
   11. Meeting
       1. Weekly team meeting
          1. Sharing Session
             1. Case Study
          2. Latest Info Update
             1. Property Info
             2. Market Info
             3. Loan Banking Info Update (Credit Department)
       2. Monthly Report (Strategic Book)
   12. Property site visit
       1. Must attend site visit and project briefing on KOHATA project listing
   13. Add value to company
       1. If client agree to proceed company testimonies
       2. Survey done from each success closing
   14. Subtopic 14
5. Revenue Point
   1. KOHATA Property
      1. Company Revenue
         1. %
      2. Commission Revenue
         1. 1.2% on Net Price
            1. Commission Pool - 85%
            2. Title Overriding
            3. SSE
            4. SSE
            5. Quarterly Achievement (Balance pool flow to SSE Pool)
            6. 1st Tier
            7. 5 Cases
            8. RM 2,000
            9. 3 Cases
            10. 2nd Tier
            11. 8 Cases
            12. RM 4,000
            13. 4 Cases
            14. 3rd Tier
            15. 10 Cases
            16. RM 6,000
            17. 5 Cases
            18. SSE Manager
            19. 10%
            20. SSE -20% POOL
            21. Pool 1
            22. SEE, SSE Mgr
            23. Q1
            24. 50% release / 50% b/f
            25. Depend Token qualify
            26. Q2
            27. 50% release / 50% b/f
            28. Depend Token qualify
            29. Q3
            30. 50% release / 50% b/f
            31. Depend Token qualify
            32. Q4
            33. 100% release
            34. Depend Token qualify
            35. Pool 2
            36. Half yearly
            37. SSE Mgr
            38. Pool 3
            39. Yearly (TBC)
            40. SSA
            41. SSA
            42. 40%
            43. SSA Manager
            44. 10%
            45. SSA Head
            46. 10%
            47. Recruitment Overriding
            48. Level 1
            49. 4%
            50. Level 2
            51. 3%
            52. Level 3
            53. 3%
            54. Reserve Pool - 15%
            55. Pool 1
            56. 35%
            57. Quarterly Achievement
            58. SSE
            59. Q1
            60. 50% release / 50% b/f
            61. Quarterly Achievement
            62. 1st Tier
            63. 5 Cases
            64. 1
            65. 3 Cases
            66. 2nd Tier
            67. 8 Cases
            68. 2
            69. 4 Cases
            70. 3rd Tier
            71. 10 Cases
            72. 3
            73. 5 Cases
            74. Q2
            75. 50% release / 50% b/f
            76. Quarterly Achievement
            77. 1st Tier
            78. 5 Cases
            79. 1
            80. 3 Cases
            81. 2nd Tier
            82. 8 Cases
            83. 2
            84. 4 Cases
            85. 3rd Tier
            86. 10 Cases
            87. 3
            88. 5 Cases
            89. Q3
            90. 50% release / 50% b/f
            91. Quarterly Achievement
            92. 1st Tier
            93. 5 Cases
            94. 1
            95. 3 Cases
            96. 2nd Tier
            97. 8 Cases
            98. 2
            99. 4 Cases
            100. 3rd Tier
            101. 10 Cases
            102. 3
            103. 5 Cases
            104. Q4
            105. 100% release
            106. Quarterly Achievement
            107. 1st Tier
            108. 5 Cases
            109. 1
            110. 3 Cases
            111. 2nd Tier
            112. 8 Cases
            113. 2
            114. 4 Cases
            115. 3rd Tier
            116. 10 Cases
            117. 3
            118. 5 Cases
            119. SSE Manager
            120. Q1
            121. 50% release / 50% b/f
            122. Quarterly Achievement (4 HC Target)
            123. 75% KPI
            124. 105,000
            125. 1
            126. 100% KPI
            127. 140,000
            128. 2
            129. 125% KPI
            130. 175,000
            131. 3
            132. Q2
            133. 50% release / 50% b/f
            134. Quarterly Achievement (4 HC Target)
            135. 75% KPI
            136. 105,000
            137. 1
            138. 100% KPI
            139. 140,000
            140. 2
            141. 125% KPI
            142. 175,000
            143. 3
            144. Q3
            145. 50% release / 50% b/f
            146. Quarterly Achievement (4 HC Target)
            147. 75% KPI
            148. 105,000
            149. 1
            150. 100% KPI
            151. 140,000
            152. 2
            153. 125% KPI
            154. 175,000
            155. 3
            156. Q4
            157. 100% release
            158. Quarterly Achievement (4 HC Target)
            159. 75% KPI
            160. 105,000
            161. 1
            162. 100% KPI
            163. 140,000
            164. 2
            165. 125% KPI
            166. 175,000
            167. 3
            168. SSA
            169. Q1
            170. 50% release / 50% b/f
            171. Quarterly Achievement
            172. 100% KPI
            173. 35,000
            174. 1
            175. 125% KPI
            176. 43,750
            177. 2
            178. 150% KPI
            179. 52,500
            180. 3
            181. Q2
            182. 50% release / 50% b/f
            183. Quarterly Achievement
            184. 100% KPI
            185. 35,000
            186. 1
            187. 125% KPI
            188. 43,750
            189. 2
            190. 150% KPI
            191. 52,500
            192. 3
            193. Q3
            194. 50% release / 50% b/f
            195. Quarterly Achievement
            196. 100% KPI
            197. 35,000
            198. 1
            199. 125% KPI
            200. 43,750
            201. 2
            202. 150% KPI
            203. 52,500
            204. 3
            205. Q4
            206. 100% release
            207. Quarterly Achievement
            208. 100% KPI
            209. 35,000
            210. 1
            211. 125% KPI
            212. 43,750
            213. 2
            214. 150% KPI
            215. 52,500
            216. 3
            217. SSA Manager
            218. Q1
            219. 50% release / 50% b/f
            220. Quarterly Achievement (4 HC Target)
            221. 75% KPI
            222. 105,000
            223. 1
            224. 100% KPI
            225. 140,000
            226. 2
            227. 125% KPI
            228. 175,000
            229. 3
            230. Q2
            231. 50% release / 50% b/f
            232. Quarterly Achievement (4 HC Target)
            233. 75% KPI
            234. 105,000
            235. 1
            236. 100% KPI
            237. 140,000
            238. 2
            239. 125% KPI
            240. 175,000
            241. 3
            242. Q3
            243. 50% release / 50% b/f
            244. Quarterly Achievement (4 HC Target)
            245. 75% KPI
            246. 105,000
            247. 1
            248. 100% KPI
            249. 140,000
            250. 2
            251. 125% KPI
            252. 175,000
            253. 3
            254. Q4
            255. 100% release
            256. Quarterly Achievement (4 HC Target)
            257. 75% KPI
            258. 105,000
            259. 1
            260. 100% KPI
            261. 140,000
            262. 2
            263. 125% KPI
            264. 175,000
            265. 3
            266. SSA Head
            267. Pool 2
            268. 35%
            269. Half Yearly Achievement
            270. SSA Manager
            271. H1
            272. 50% release / 50% b/f
            273. Half Yearly Achievement [ADDITIONAL TOKEN]
            274. 75% YTD KPI
            275. 210,000
            276. 1
            277. 100% YTD KPI
            278. 280,000
            279. 3
            280. 125% YTD KPI
            281. 350,000
            282. 6
            283. H2
            284. 100% release
            285. Half Yearly Achievement [ADDITIONAL TOKEN]
            286. 75% YTD KPI
            287. 210,000
            288. 1
            289. 100% YTD KPI
            290. 280,000
            291. 3
            292. 125% YTD KPI
            293. 350,000
            294. 6
            295. SSE Manager
            296. H1
            297. 50% release / 50% b/f
            298. Half Yearly Achievement [ADDITIONAL TOKEN]
            299. 75% YTD KPI
            300. 210,000
            301. 1
            302. 100% YTD KPI
            303. 280,000
            304. 3
            305. 125% YTD KPI
            306. 350,000
            307. 6
            308. H2
            309. 100% release
            310. Half Yearly Achievement [ADDITIONAL TOKEN]
            311. 75% YTD KPI
            312. 210,000
            313. 1
            314. 100% YTD KPI
            315. 280,000
            316. 3
            317. 125% YTD KPI
            318. 350,000
            319. 6
            320. SSA Head
            321. Pool 3
            322. 30%
            323. Yearly Achievement
            324. SSA Head
            325. Half Yearly Achievement [ADDITIONAL TOKEN]
            326. 75% YTD KPI
            327. 420,000
            328. 50%
            329. 100% YTD KPI
            330. 560,000
            331. 75%
            332. 125% YTD KPI
            333. 750,000
            334. 100%
   2. Arrangement Fees
      1. Company Revenue
         1. %
      2. Commission Revenue
         1. 20%
   3. Insurance
      1. Company Revenue
         1. %
      2. Commission Revenue
         1. 20%
   4. Legal Fees
      1. Company Revenue
         1. %
      2. Commission Revenue
         1. 75% on Revenue
   5. 10 Years Financial Plan
      1. Company Revenue
         1. %
      2. Commission Revenue
         1. TBC
   6. SAS Advisory Services
      1. Company Revenue
         1. %
      2. Commission Revenue
         1. TBC
6. Operation Credit
   1. Settlement Strategy
   2. property project
      1. Subtopic 1
   3. Timeline settle date