Housing Campaign Flow on Document Submission BMMB

(A) HPRTT Processing Process Flow Standard Case NoCustomer SBB

HQCL/CTProcess DescriptionsETAT

1. Customer buy motor vehicles and

0.5 day

2. BANK HQ Credit Administration Centre personnel to verify the document completeness upon received the document IF not complete , follow up with BANK branches

IF complete, to proceed with necessary process.

0.5 day( subject received the complete document)

3. Documents to be collected by CL/CT personnel for data entry and LA issuance once a week.

0.5 day

4. CL/CT to verify the document and inform processing department to create the proposal series number in PREMIA System

Perform data entry

0.5 day

5. To determine either the application is standard or Non Standard?

If standard case , U/W to send LA to bank/customer

If Non Standard, U/W to request customer to do medical check up at appointed panel clinic. Refer to process B

Immediate

6. Bank is expected to prepare payment either by cheque / bank- in into CTBs collection account : 1002 132 484

1 day

7. CL/CT to collect the cheque / bank in slip from SBB BANK HQ.

2 days

8. CT personnel to submit the cheque /bank in slip to Finance Department

Finance to register the payment in system

0.5 day

9.

CIG to perform policy issuance.1 day

10. Policy issued and send to customer /bankEND OF PROCESS

1 day

TOTAL : 7.5 days

If Non Standard, U/W to request customer to do medical check up at appointed panel clinic. Refer to process B(B) MRTT Processing Process Flow Non - Standard Case NoCust/SBB Branches SBB HQCL/CTProcess DescriptionsETAT

1. CT will advise customer to go for further medical check up at CIG appointed panel clinic

Customer to do medical check-up at CIG panel clinic.

Panel Clinic will send the report to CT / Customer send the medical report to CT

1 day(subject to appt. made btw CTB and customer)

2. Upon received the report, U/W to verify the report.

0.25 day

3. U/ W will determine either the applications accepted as standard or non-standard

0.25 day

4. If U/W refers the applications as standard, refer to process A item 5 onwards. If U/W refer the case as non standards, proceed to the next level

Immediate

5. U/W to determine the amount of loading to be charged by the customer

0.5 day

6. U/W to send the LA to customer/bank with and advised on contribution

1day

7. Customer agreed or not agreed with LA If not agreed , or not response within 6 months the offer is terminated automatically

If customer agree with the LA , Bank is expected to arrange for payment

Immediate

10. Bank to prepare payment - payment slip to be collected by CT/CL personnel

1 day

11. CT personnel to submit the cheque /bank in slip to Finance Department

Finance to register the payment in system

Immediate

12. CIG to perform policy issuance.

1 day

13. Policy issued and send to customer /bankEND OF PROCESS

2 days

TOTAL : 9 days

Yes

Non Standard

Yes

No

NO

YES