Dashboard
Live summary — all figures ex-GST
Trail Income — Last 24 Months
Book Quality Snapshot
Monthly Trail — Gained vs Lost
Missing Commission Alerts
Financial Year Summary
Trail Book Value
Portfolio valuation, runoff analysis and quality benchmarking
Estimated Trail Book Value
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Valuation Multiple
📈 AU market FY2024-25: avg 3.0× • range 2.75×–3.75× • premium books: 4.0×+
Industry avg multiple: 2.99× • Premium books: 4.0×
Valuation Range
Monthly Trail — 24 Months + 12 Month Projection
Runoff Events by Month
Quality Scorecard vs Industry Benchmarks
Grade-Based Valuation SummaryA ≥4yr 3.0× | B 2–4yr 2.5× | C 1–2yr 2.0× | D <1yr 1.5×
Generates a professional buyer-ready summary report in a new tab — valuation, quality metrics, lender diversification and more.
Valuation Studio
Commercial-grade trail-book valuation — benchmark-anchored • indicative only
True run-off engine — being added in this build.
Deal structure builder — being added in this build.
Buy-side financing — being added in this build.
Income
All RCTI transactions —
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| Date | Broker | Ref | Customer | Lender | Type | Settle Date | Amt Ex GST | GST | Amt Inc GST | Comments |
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Applications
WIP settled loan applications
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| Loan ID | Adviser | Client | Lender | Category | Total Amt | New Funds | Status | Settled | Purpose |
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Reconciliation
RCTI payments matched to WIP applications
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| Ref | RCTI Customer | WIP Client | Lender | Inv Date | Settle Date | Type | Amt Ex GST | Confidence | Score |
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| Ref | Customer | Broker | Lender | Date | Type | Amt Ex GST | Exception Reason | Comments | Action |
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By Broker
Commission performance and growth by introducer
| Broker | Upfront (All Time) | Trail (All Time) | Net Total | Trail 12m | Trail Share | RCTI Rows | Trail % of Book |
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Monthly Trail by Broker — Last 12 Months
By Lender
Commission and portfolio concentration by lender
| Lender | Upfront | Trail | Net Total | Trail % | Concentration |
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Trail Concentration
Lenders with low trail start reliability are your highest reconciliation risk. Follow up with your aggregator about these lenders’ commission setup.
| Lender | Trail Start Reliability | Avg Days to First Trail | Missing Trail Count | Clawback Rate % | Rate Accuracy % |
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Clawbacks & Discharges
Commission reversals, deductions and discharge events
Clawback / Discharge Events by Month (24m)
Clawback Amount by Financial Year
All Clawback & Discharge Events
| Date | Ref | Customer | Broker | Lender | Type | Amount | FY | Comments |
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Growth
New business velocity, broker performance and portfolio expansion
Monthly Upfront Commission (24m)
Rolling 3-Month Avg Upfront
Upfront by Financial Year
Top Brokers — Upfront YTD
Clawback Exposure
Upfront commissions still within lender clawback windows
Clawback Risk Expiry Timeline
Risk by Lender
All Loans Within Clawback Window
⚙ Set broker status:
| Risk | Client | Lender | Broker | Gross Upfront | $ at Risk | Risk Score | Months Left | Tier Structure | Expires | Action |
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Refinance Finder
Active loans prioritised by age — clients overdue for a rate review before they go elsewhere
Loans by Age Tier
Priority by Broker
Client Review Pipeline
| Priority | Client | Lender | Broker | Settled | Loan Age | Last Trail | Monthly Trail | Trail at Risk |
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Lifetime Value
Realised trail per client to date, plus projected remaining income
Grade Distribution — Book Valuation
Trail by Loan Age Band
Grade-Based Book Valuation — Per-Loan DetailA (4+ yrs) 3.0× | B (2–4 yrs) 2.5× | C (1–2 yrs) 2.0× | D (<1 yr) 1.5×
Client / Ref
Age
Monthly Trail
Grade Value
Trail Health
Client retention, trail gaps, gained & lost analysis
Monthly Trail: Clients Gained vs Lost (Last 18 Months)
Rolling 12-Month Client Retention Rate
🔴 Clients Lost This Month
| Client | Lender | Broker | Last Trail | Monthly Trail Lost |
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🟢 New Clients This Month
| Client | Lender | Broker | First Trail | Monthly Trail |
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⚠ Trail Gap Detector
| Client | Lender | Broker | First Trail | Gap Start | Gap End | Months Missing | Est. Lost | Status |
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⚖ Expected vs Actual Trail — Rate Verification
Compares expected monthly trail (based on estimated loan balance × lender trail rate) against actual payments received over the last 3 months. Flags potential underpayments for aggregator inquiry. Track My Trail doesn't do this — this is Commission Intelligence's key differentiator.
| Client | Lender | Broker | Est. Balance | Trail Rate | Expected/mo | Actual/mo (3m avg) | Variance $ | Variance % | Status |
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Commission Forecast
12-month income projection based on current book and growth trends
Monthly Forecast — Next 12 Months
Month-by-Month Breakdown
| Month | Projected Trail | Projected Upfront | Projected Total | Cumulative | Best Case | Worst Case |
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Missing Commissions
Upfront payments with no trail started within 3 months — follow up with your aggregator
How to follow up: For each loan below, log into the LMG commission portal and raise a commission inquiry. Aggregators accept inquiries up to 24 months from settlement date.
Generates a single document with all visible flagged loans as individual inquiry emails.
Upfronts with No Trail Started
Settled:
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Rows:
Sort:
| Client | Lender | Broker | Settlement Date | Upfront Date | Months Ago | Upfront Paid | Est. Missing Trail | Action | Status |
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✓ Rate Check
Verify commission rates received against LMG standard schedule
Rate estimates are based on standard LMG commission schedules. Net-of-offset loans will show a negative variance — this is expected.
| Lender | Client | Loan Amt | Expected | Actual | Variance $ | Variance % | Status |
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Trail rate check compares actual trail received against the standard schedule rate applied to the loan balance recorded in each payment. Loans with consistent underpayment (>5%) are flagged for inquiry.
| Lender | Client / Loan | Broker | Payments | Expected Total | Actual Total | Variance $ | Variance % | Status | Action |
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Expectation Ledger
Top-down reconciliation — calibrated expected commission vs actual paid, per loan, per month
Where Did It Go?
Commission Forensics — resolve every “upfront not paid” exception to the truth, traced across MyCRM, your RCTI and the LMG report
⚙ Settings
Configure lender mappings, manage data, and view import history
Lender Name Mapping
Map RCTI short codes to WIP full names. Used during reconciliation matching.
🤖 Cooper AI — API Key
Anthropic API key for Cooper. Get one at
console.anthropic.com → API keys. Stored locally only — never sent anywhere except api.anthropic.com. Rotate any time.Data Management
ⓘ BID Compliance Export: This export satisfies ASIC's Best Interest Duty requirement to maintain records of all commissions received per loan. One row per upfront RCTI payment, including GST breakdown and settlement reference. ASIC commenced its first BID compliance review exercise in June 2025.
About
Version: Commission Intelligence v2.0
Built for: Loan Market Edge brokers
Privacy: All data processed locally. Nothing is sent to any server.
Import History
| Timestamp | RCTI Rows | WIP Rows | Files |
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Valuation Notes
How this dashboard calculates book value and how to interpret the figures
How Trail Book Value is Calculated
The primary valuation method uses trailing 12-month trail income × a multiple. The default multiple is 4.0× (premium quality book). The industry average is 2.99× (TrailBlazer FY2025 national benchmark).
The grade-weighted method applies different multiples based on loan age: A-grade (4+ yrs) = 3.0×, B-grade (2–4 yrs) = 2.5×, C-grade (1–2 yrs) = 2.0×, D-grade (<1 yr) = 1.5×. This is more accurate for mixed-age books.
Trail Income by Financial Year
| Financial Year | Trail Income | Notes |
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Quality Benchmarks — Source & Methodology
| Metric | Benchmark | Source | How We Calculate It |
|---|---|---|---|
| Runoff Rate | 22.94% | TrailBlazer FY2025 | Discharged + clawback refs ÷ active trail refs |
| Arrears Proxy | 0.54% | TrailBlazer FY2025 | Arrears payments as % of 12m trail income |
| Clawback Rate | <10% | LMG internal threshold | Clawbacks ÷ gross upfront commissions |
| Trail Growth | 5–8% | Industry growth target | Last 6m trail vs prior 6m trail |
| Lender Concentration | <25% | Industry best practice | Single lender trail as % of total 12m trail |
| Avg Loan Age | 3.36 yrs | TrailBlazer FY2025 | Average age of settled WIP loans |
| Avg Sale Multiple | 2.99× | TrailBlazer FY2025 | Average price paid for trail books at auction |