Performance Boosters

Performance boosters add bonus commissions when an employee meets volume or unit count thresholds over a defined period, with tiered reward levels.

What is a performance booster?

A performance booster is attached to a commission template and defines:

• Measurement type: What metric to measure (dollar volume or loan count)
• Time window: The period over which production is measured
• Threshold conditions: Tiered levels of production, each with a bonus amount

When the commission engine processes a loan, it checks whether the loan officer’s production (measured over the configured time window) meets any of the booster’s threshold conditions. If so, a bonus is added to the commission for that loan.

Loan Officer closes loan
  |
  +--> Engine finds matching commission rule
  |
  +--> Rule linked to a performance condition?
  |      |
  |      +--> Look up the booster for that condition
  |      +--> Calculate the time window (e.g., "last 1 month")
  |      +--> Query the LO's production stats in that window
  |      +--> Check if stats meet the condition's threshold
  |      |
  |      +--> Threshold met? --> Add bonus to commission
  |      +--> Not met? --> No bonus
  |
  +--> Continue with normal commission calculation

Creating a Performance Booster

Each commission template can have one performance booster (with multiple threshold tiers).

Step 1: Open the Template Editor

1. Navigate to Commission Templates and click on a template.
2. Click Edit.
3. Switch to the Performance Booster tab (or scroll to the Performance Booster section).

Step 2: Enable the Booster

Toggle the Active switch to enable the performance booster.

Step 3: Configure Measurement Type

Choose what production metric to track:

Measurement Type	Description	Example
Volume ($)	Total funded loan dollar amount	$5,000,000 in funded volume
Units (# loans)	Count of funded loans	10 funded loans

Step 4: Configure the Time Window

The time window defines the lookback period for measuring production. It consists of three settings:

Duration Type

Duration Type	Description
In the last	A rolling window relative to the loan’s funded date
Since beginning of	From the start of the current period to the funded date
All time	All production since the beginning of records

Period Type

Period Type	Description
Week	Weekly period
Month	Monthly period
Quarter	Quarterly period (3 months)
Year	Annual period

Period Value

A multiplier for the period type (used with “In the last” duration). For example:

• “In the last 1 Month” = the 30 days prior to the funded date
• “In the last 3 Months” = the 90 days prior to the funded date
• “In the last 1 Quarter” = the 3 months prior to the funded date

Time Window Examples

Duration Type	Period Type	Period Value	Resulting Window
In the last	Month	1	From 1 month before the funded date to the funded date
In the last	Quarter	1	From 3 months before the funded date to the funded date
In the last	Year	1	From 1 year before the funded date to the funded date
Since beginning of	Month	—	From the 1st of the current month to the funded date
Since beginning of	Quarter	—	From the start of the current quarter to the funded date
Since beginning of	Year	—	From January 1 of the current year to the funded date
All time	—	—	From the beginning of records to the funded date

Step 5: Add Threshold Conditions

Each condition defines a production tier with a bonus amount:

Field	Description
Threshold	The production level that must be met (e.g., 5000000 for $5M volume, or 10 for 10 units)
Bonus Amount	The bonus to add when this threshold is met
Bonus Type	How the bonus is expressed: Percentage (%), Flat ($), or Basis Points (bps)

Add multiple conditions to create a tiered bonus structure. The engine evaluates conditions from the highest threshold down and uses the first one the employee qualifies for.

How Thresholds Are Evaluated

The engine:

1. Sorts all conditions by threshold in descending order (highest first).
2. Compares the employee’s production metric against each threshold.
3. The first condition where the employee’s metric is greater than or equal to the threshold is selected.
4. That condition’s bonus is applied.

This means the highest qualifying tier always wins.

How the Bonus Is Calculated

Once a qualifying condition is found, the bonus is calculated based on the condition’s bonus type and amount:

Bonus Type	Calculation
Flat ($)	Bonus = flat amount (e.g., $200)
Percentage (%)	Bonus = gross commission x bonus percentage / 100
Basis Points (bps)	Bonus = gross commission x bonus bps / 10000

The bonus is added to the loan officer’s commission for that loan. It appears as a separate performanceBonus line item in the commission results.

Linking Boosters to Rules

Performance boosters work through their conditions. Each condition can be linked to one or more commission rules. When a rule with a linked performance condition is matched for a loan, the engine:

1. Finds the booster that contains the linked condition.
2. Calculates the time window based on the booster’s settings and the loan’s funded date.
3. Queries the loan officer’s production (volume or units) within that window.
4. Checks if the employee qualifies for the linked condition.
5. If qualified AND the qualifying condition matches the linked one, the bonus is applied.

This design allows different rules to reference different tiers of the same booster, or you can have a single rule that references a specific tier.

Worked Examples

Example 1: Monthly Volume Bonus

Scenario: A loan officer earns a bonus on each loan if their rolling monthly funded volume exceeds certain thresholds.

Booster Configuration:

• Measurement Type: Volume ($)
• Duration Type: In the last
• Period Type: Month
• Period Value: 1

Conditions:

Tier	Threshold	Bonus Amount	Bonus Type
Gold	$10,000,000	15	Basis Points
Silver	$5,000,000	10	Basis Points
Bronze	$2,000,000	5	Basis Points

Scenario: A loan officer closes a $400,000 loan. Their funded volume in the last month (including this loan) is $6,200,000.

1. Engine checks Gold tier: $6.2M >= $10M? No.
2. Engine checks Silver tier: $6.2M >= $5M? Yes.
3. Silver tier qualifies. Bonus = 10 bps.

If the LO’s gross commission on this loan is $2,000 (50 bps on $400K):

• Bonus = $2,000 x 10 / 10,000 = $2.00 (10 bps of gross commission)

Wait — that seems low. Let’s reconsider. The bonus is 10 bps applied to the gross commission, not the loan amount. If the intent is 10 bps on the loan amount, the bonus would need to be configured differently.

More commonly, the bonus is a flat amount or a percentage of the gross commission:

Alternative Conditions (Flat Bonus):

Tier	Threshold	Bonus Amount	Bonus Type
Gold	$10,000,000	$500	Flat
Silver	$5,000,000	$250	Flat
Bronze	$2,000,000	$100	Flat

With the Silver tier qualifying:

• Bonus = $250 added to the commission on this loan.

Alternative Conditions (Percentage of Gross):

Tier	Threshold	Bonus Amount	Bonus Type
Gold	$10,000,000	15%	Percentage
Silver	$5,000,000	10%	Percentage
Bronze	$2,000,000	5%	Percentage

With the Silver tier qualifying and a $2,000 gross commission:

• Bonus = $2,000 x 10 / 100 = $200 added to the commission.

Example 2: Quarterly Unit Count Bonus

Scenario: Loan officers who close more than 15 loans in a quarter earn a flat $300 bonus per loan.

Booster Configuration:

• Measurement Type: Units (# loans)
• Duration Type: Since beginning of
• Period Type: Quarter
• Period Value: 1

Conditions:

Tier	Threshold	Bonus Amount	Bonus Type
1	15	$300	Flat

Scenario: A loan officer closes their 18th loan of the quarter.

1. Engine checks: 18 >= 15? Yes.
2. Bonus = $300 added to this loan’s commission.

Example 3: Annual Volume Tiers

Scenario: Tiered annual bonuses based on cumulative funded volume.

Booster Configuration:

• Measurement Type: Volume ($)
• Duration Type: Since beginning of
• Period Type: Year
• Period Value: 1

Conditions:

Tier	Threshold	Bonus Amount	Bonus Type
Platinum	$50,000,000	20%	Percentage
Gold	$25,000,000	15%	Percentage
Silver	$10,000,000	10%	Percentage

Scenario: A loan officer has funded $28,000,000 year-to-date and closes a loan with a $3,000 gross commission.

1. Engine checks Platinum: $28M >= $50M? No.
2. Engine checks Gold: $28M >= $25M? Yes.
3. Bonus = $3,000 x 15 / 100 = $450 added to this loan’s commission.

Important Notes

• Each template can have one performance booster, but that booster can have many threshold conditions (tiers).
• The booster must be set to Active to be evaluated. Deactivating the booster disables all performance bonuses without deleting the configuration.
• Production stats are calculated from all funded loans for the loan officer within the time window, across all pay periods.
• The performance bonus is calculated per loan. Each loan in a pay period is independently evaluated against the booster thresholds.
• If an employee’s production does not meet any threshold, no bonus is added — the base or rule commission stands as-is.