Smarter Modeling Starts With Model IQ™
Outdated, one-time assumptions and manual deposit studies can’t keep up with volatile rates and shifting behavior. Behavioral modeling software delivers faster, consistent assumptions that support daily financial decisions, reducing surprises.
Get a DemoEmpyrean Model IQ: Behavioral Modeling Made for Banks and Credit Unions
Empyrean Model IQ is a modular behavioral modeling software platform designed for banks and credit unions that need greater transparency, consistency, and control over their critical modeling assumptions.
Model validation software replaces static, one-time studies and opaque third-party models with ongoing, FI-specific calibration, testing, and governance. With integrated model validation software capabilities, Model IQ supports documented, auditable assumptions that flow into CECL, ALM, liquidity, and financial planning.
This enables faster updates, stronger defensibility, and more confident decision-making that cascades throughout an organization.
Why Choose Empyrean Model IQ
Deposit IQ
Model deposit decay, beta sensitivity, and early withdrawal behavior — including cannibalization analysis to separate new growth from internal balance transfers.
Loan IQ
Calibrate and backtest loan prepayments by product or segment. Use guided workflows for scenario planning, stress testing, and documentation.
Credit IQ
Build PD/LGD or net charge-off models using peer or internal data. Includes historical, regression, and cohort-based methodologies.
Model Library
Store validated models with assumptions, overlays, and audit documentation in one secure repository.
Comprehensive Analytics
Generate examiner-ready outputs with transparent calculations. Share insights across risk, planning, and leadership.
Guided Workflows
Simplify modeling with built-in workflows for validation, segmentation, and calibration — no in-house quants required.
Designed for Finance Leaders
Whether you are managing CECL, modeling liquidity, or supporting ALCO and exam readiness, Model IQ gives finance teams clear, defensible assumptions they can trust across every decision.
For Risk and Treasury
Calibrate behavioral assumptions across your balance sheet with models built for stress testing, ALM alignment, and CECL assumptions.
For Finance and Planning
Integrate models into rolling forecasts and budgeting tools with no reconciliation needed.
For Executives and Boards
View clear documentation and model outputs that support defensible decision-making.
One Platform to Manage Behavior, Governance, and Risk
Empyrean Model IQ works across deposit, loan, and credit modeling, connecting behavioral assumptions directly to CECL, ALM, and strategic planning.
Calibrate Behavior in Real Time
Replace static PDFs with dynamic, scenario-ready models.
Align Risk and Planning
Connect assumptions to forecasts, capital planning, and CECL reserves.
Prove Governance with Confidence
Show full audit trails and documentation in every model.
Frequently Asked Questions
What is behavioral modeling software for banks?
Behavioral modeling software helps banks quantify how customers actually behave when conditions change. This includes deposit sensitivity, loan prepayments, and credit performance.
Model IQ applies these behavioral insights directly to CECL, ALM, and liquidity planning. This ensures assumptions reflect real-world behavior rather than static averages.
Can finance teams use this without an analyst background?
Yes. Finance and risk professionals will find that support assumption setup, calibration, and review do not require advanced modeling expertise. Built-in documentation and transparent logic make it easy for teams to understand results, explain changes, and collaborate across departments.
How does Model IQ help with model validation?
Model IQ includes built-in model validation support, including version control, change tracking, and full audit trails. Teams can compare their assumptions over time, document rationale, and retain historical versions without manual files or spreadsheets.
What makes Model IQ different from other AI modeling tools?
Model IQ is purpose-built for banking use cases, not generic AI modeling. It supports flexible scenario analysis and integrates directly with CECL, ALM, liquidity, and planning workflows. Assumptions flow through the platform without exports, rekeying, or reconciliation, eliminating handoffs that would otherwise slow teams.
