Here
http://onlineservices.immigration.go...anual/6954.htm are all the detailed regulations about the various points you can claim for SMC.
See here in particular.
http://onlineservices.immigration.go...anual/6954.htm You are not going to be able to proceed yet, because of SM7.15.2.
Yes, an employer's support is needed. INZ require the employer to state in detail the employee's responsibilities in the business, to match every line of the ANZSCO job description. They also investigate the employer's business, to make sure that it is stable financially (therefore, not likely to fail and leave the applicant jobless), and also that the employer has a record of working within NZ immigration and employment legislation. The employer does not have to tell the employee all his private financial arrangements, but he does have to tell INZ.