1. Job scope
   1. Product Service
      1. Financial proposal
         1. Advisory Fees-RM3,000
      2. Property
         1. Kohata project
            1. Revenue Point
            2. Personal Sales
            3. Yellow Flow Submission
         2. NON kohata project
            1. Green
            2. Loan Size 3%
            3. Legal Fees / Premium
            4. Green Team
            5. Co-Broker 50%/50%
            6. YELLOW
            7. Loan Size 5%
      3. Advisory Fees
         1. Refinance
            1. Green
            2. Loan Size 3%
            3. Legal Fees / Premium
            4. Green Team
            5. Co-Broker 50%/50%
            6. YELLOW
            7. Loan Size 5%
         2. Mortgage
            1. Green
            2. Loan Size 3%
            3. Legal Fees / Premium
            4. Green Team
            5. Co-Broker 50%/50%
            6. YELLOW
            7. Loan Size 5%
         3. Personal Loan
            1. Green
            2. Loan Size 10%
            3. YELLOW
            4. Loan Size 15%
      4. Insurance
         1. Personal Sales
            1. Submit to external
            2. Submit to Internal
            3. Co-Broker 50%/50%
         2. KOHATA Project
            1. MLTA
            2. Medical Card
      5. Manulife premium
         1. Co-Broker 50%/50%
         2. Personal sales
            1. Submit external
            2. Submit Internal
            3. Co-Broker 50%/50%
   2. System update
      1. im2u update progress status
      2. Receive Lead
         1. Within 24 hour call customer
         2. Comment status in monday.com
         3. Generate initial proposal
         4. Time to time update STATUS until cases done
            1. IM2U status
            2. MT status
      3. Sales Support Executive
         1. Support call for appointment
         2. Collect document
         3. Signing SPA
         4. Signing Credit LO
         5. Time to time follow up with SSE
      4. Source of Leads
         1. Agency
         2. Business Partner
         3. Green basket team
         4. Mobile referral
         5. Personal
         6. Digital Marketing (D2W)
   3. Workflow
      1. KPI
         1. Target
            1. Client
            2. 5 close per month
            3. Revenue Setting
            4. PCB
            5. Green
            6. 2% from Net Price
            7. Yellow
            8. 1.5% from Net Price
            9. Advisory Fees
            10. 25% from Advisory Fees Collected
            11. Insurance
            12. 1st Years
            13. 27% from premium collected
            14. 2nd Years
            15. 20% from premium collected
            16. 3rd Years
            17. 10% from premium collected
            18. 4th - 6th Years
            19. 5% from premium collected
            20. Legal
            21. 75% from Legal Fees Collected
            22. Revenue
            23. 35,000 Revenue Point per month
            24. Step up Target
            25. Join Date after 15th
            26. Month 0
            27. 0% KPI
            28. 0
            29. Join Date before 15th
            30. Month 1
            31. 0% KPI
            32. 0
            33. Month 2
            34. 50% KPI
            35. 1st Month
            36. 17,500
            37. Month 3
            38. 2nd Month
            39. 75% KPI
            40. 26,250
            41. Month 4
            42. 3rd Month
            43. 100% KPI
            44. 35,000
         2. Appointment
            1. Zoom
            2. Face to face
            3. Cooperate visit
         3. Commit 30 hours weekly
            1. Flexible Saturday / Sunday
            2. Zoom recorder can calculate as working hours
            3. Min 10 hours weekly reporting to office
      2. Proposal Presentation
         1. During Appointment
            1. Introduction PPT (10 mins)
            2. FINSCORE Report Review
            3. IM2U Status
            4. Approve to proceed
            5. Drop - Beyond SOP
            6. Company have right to assign cases to new FC
            7. Upon new FC salvage the cases with impact to original FC performance
            8. Decline - Client reject proposal (Randomly check by Sales Head)
            9. Company have right to assign cases to new FC
            10. Upon new FC salvage the cases with impact to original FC performance
            11. Customer Consider
            12. Line manager need to contact client to do random check
            13. Settlement Charges
            14. Credit Loan Charges
            15. Show Credit Loan Calculator
            16. Merchant charge
            17. formula is divide 0.92
            18. Loan Application Step
            19. Housing Loan
            20. P.Loan
            21. Car Loan(5% from loan amount, if without sell car strategy)
            22. Property Details
            23. Property Simulation Plan (From IM2U)
            24. Any Fees Must Let Client Know
            25. Progressive Interest
            26. MOT
            27. Renovation Fees
            28. Valuation Fees
            29. Legal/Disbursement Fees
            30. Tenant Management
            31. Potential (Project Future Development)
            32. Rental Comparison
            33. Monthly Rental - 10%
            34. ABNB - 25%
            35. Exit Plan
            36. Time Frame
            37. Start From Settlement Stage To Cash Back Disbursement (6 to 9 months)
            38. SAS Solution Form
            39. Explain T&C Highlight All Charges, Include KOHATA Membership Fees
            40. Face to Face Require Customer Initial All Pages
      3. Problems solving
         1. Cash Back
            1. Outside market got better cash back offer
            2. Acknowledge Which Project, Which We Can Counter Offer.
            3. Explain FINTOS Eco System
         2. Property
            1. Client change mind after HL was approved
            2. Know The Reason Why?
            3. Set Appointment Meet Up Face to Face
            4. Cancellation Fees 10% Of The SPA Amount
         3. Swift plan
            1. Changing property OR banks OR loan OR offer package from initial proposal
            2. Explain The Reason Why We Change The Plan
         4. Client complaint
            1. Handle client emotions
            2. Listen To Their Complain, Acknowledge And Give Solution.
      4. Solution Provider
      5. Financial Proposal
         1. Cashflow Planning (case to case basis)
            1. MLTA
            2. JV Fund Investment
      6. Appointment
         1. Zoom
         2. Face to face
         3. Cooperate visit
      7. 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
      8. Meeting
         1. Weekly team meeting
            1. Sharing Session
            2. Case Study
            3. Latest Info Update
            4. Property Info
            5. Market Info
            6. Loan Banking Info Update (Credit Department)
         2. Monthly Report (Strategic Book)
      9. Property site visit
         1. Must attend site visit and project briefing on KOHATA project listing
      10. Add value to company
          1. If client agree to proceed company testimonies
          2. Survey done from each success closing
2. Package
   1. Revenue Point
      1. Kohata property
         1. Property Net price
            1. Green
            2. 2%
            3. Yellow
            4. 1.5%
      2. Advisory Fees
         1. Mortgage
         2. Refinance
         3. Personal Loan
      3. Insurance
         1. MLTA 5% -27%
      4. 20% - 40% from collection
   2. Commission Payout
      1. Timeline release advisory fees
         1. month end close
         2. release on before 7th
         3. collection 100%
      2. Timeline release property comm
         1. After LA signing 30day
         2. month end close
         3. release on before 7th
         4. Released 50% first stage
         5. Balance when recevice from developer
   3. Basic RM0
      1. Yearly : RM 0.00
   4. Commission (Example)
      1. Property Net price : 2.5mil
      2. Revenue Point % - 1.2%
      3. Revenue Point : RM30,000
      4. Ranking : 40% = RM12,000
   5. Monthly KPI incentive
      1. Revenue Point
         1. Tier 1 - 10,000
            1. Incentive - RM1,000
         2. Tier 2 - 20,000
            1. Incentive - RM2,000
         3. Tier 3 - 40,000
            1. Incentive - RM4,000
   6. Recruitment Overriding
      1. Level 1 - 4%
      2. Level 2 - 3%
      3. Level 3 - 3%
3. Approval
   1. FVG CEO
      1. Johnson
   2. Deputy FVG CEO
      1. Jeffrey
   3. SOP Manager
      1. Mr Saw