OCBC has introduced a new upskilling programme aimed at transforming experienced mortgage specialists into certified wealth advisors. The initiative, which spans four months, allows these specialists to expand their roles beyond home loans and provide affluent clients with a wider range of advisory services, including investment and insurance products. This move is part of OCBC’s broader strategy to strengthen its focus on wealth management.
Traditionally, mortgage specialists in the banking sector are limited to offering home loan products, while only certified financial advisers can advise on investments and insurance. By combining both skill sets in one individual, OCBC aims to streamline service delivery and build deeper relationships with customers. According to OCBC data, customers with home loans tend to have twice as many products with the bank compared to those without such loans, and their assets under management are 1.6 times higher.
The programme also serves as a talent retention measure by providing mortgage specialists with opportunities for professional growth within the bank. Mortgage specialists often serve as the first point of contact for new customers—one in four new-to-bank clients begin their relationship with OCBC through a home loan. With property being an important part of many clients’ wealth portfolios, these specialists are well-positioned to support affluent clients in broader financial planning.
Fifteen senior mortgage specialists have been selected for the inaugural programme cohort. The first group of nine, each averaging nine years of experience as a mortgage specialist, completed the training and began their expanded roles on October 1, 2025.
The upskilling programme includes three main components: classroom training adapted from OCBC’s relationship manager curriculum; industry certification through the Capital Markets and Financial Advisory Services (CMFAS) certifications administered by the Institute of Banking and Finance Singapore; and on-the-job coaching provided by product experts in investments, bancassurance, and foreign exchange. Graduates will also take annual refresher courses to stay updated on developments in both mortgage lending and wealth management.
Sunny Quek, Head of Global Consumer Financial Services at OCBC, said: “Homeownership is a major life milestone, and the financing process can be complex. As such, mortgage specialists play a key advisory role, often operating at the intersection of home financing and financial planning. This initiative not only expands their areas of expertise but also strengthens the OCBC Premier Banking proposition. By equipping mortgage specialists so that they can support customers holistically, from home financing to long-term wealth planning, we can deepen relationships and reinforce our position in wealth management. It also supports and develops the long-term career aspirations of our senior mortgage specialists.”
Belle Leow, a mortgage specialist who completed the programme, said: “Supporting my clients through their home loan journey has given me insight into their broader financial goals. Before, many asked if I could help with financial planning, and I always wished I could do more. This programme has made that possible. It’s not just about expanding my role — it’s a chance for personal growth. I’m excited to build on my mortgage loan expertise and support customers more holistically.”