Loan application processing on WhatsApp, ready for the adviser.

For a salaried applicant in Malaysia, usually the IC, the last three months' payslips, the latest EPF statement and three months' bank statements, though each bank sets its own list. Self-employed applicants are asked for business bank statements, SSM documents and tax returns instead. The assistant sends the right checklist for each loan type and applicant profile.

The client asks about a loan on WhatsApp and receives the checklist for that loan type. Each document is read as it arrives and checked for dates, names, readability and missing pages, and the client is reminded about anything outstanding. Compared with collecting by hand, the adviser no longer opens and keys in every attachment, and starts from a checked file.

No. It collects and checks documents and prepares a pre-eligibility summary for the adviser, without commenting on the client's chances. Advice on amount, tenure and banks, eligibility judgements and the decision to submit stay with the licensed adviser, and approval rests with the bank.

From the income and commitments read from the documents, using the debt service ratio method and bank criteria your adviser already uses. It is labelled indicative and is a starting point for the adviser's review, not a decision. Credit report checks happen separately, with the client's consent.

Yes, where the CRM allows it. Files go into storage your firm controls, such as Google Drive with an access log, and each application sits in the adviser's queue with its summary. If you use a financial adviser CRM, status and the summary can be written to it, and we confirm what it allows during discovery.

No, the adviser submits through each bank's own channels, since bank portals rarely allow automated submission. The workflow prepares a tidy pack for each bank, with files named and ordered the way that bank asks for them, so the adviser spends less time assembling it.

Clients agree to a PDPA notice before sending anything. Files move into storage your firm controls, access is limited to the assigned adviser and logged, and retention follows your policy. Documents are not shared outside your secure storage, and hosting and AI providers are confirmed with you before launch.

It depends on the loan types and applicant profiles you handle, the checks and figures you need, and where files are stored. A private quote follows a free discovery session with your team. Timing depends on the same factors, and a common start is one loan type, such as personal loans, before adding the others.