Vikas Morwal

Background

About Vikas Morwal

With more than 20 years of experience in the banking sector, I am holding position of North East Head Credit in HLC Mortgages at HDFC Bank, one of the largest and most respected private sector banks in India. I have PG Diploma in Banking & Finance, MBA in Marketing, LLB, JAIIB and an Associate Chartered Banker from the UK(JAIIB credits based), a MDP certification in Finance from IIM Indore. My core competencies are Credit management, client servicing, branch operations, and team management.Seeking senior-level assignments in Mortgage / Credit / Banking Operations with a reputed organization where my experience and leadership can contribute to strategic growth, credit quality, and operational excellence.Credit Underwriting | Legal & Technical Risk | Mortgage Products | Project Approvals | NRI/HNI Lending | Regulatory Compliance | Team Leadership | Business Coordination | FOIR Analysis | Builder Finance | Risk Assessment | Audit ComplianceAs the Head of Credit for the Mortgage based Loan Department, I lead the Credit, Legal, and Technical teams, ensuring a structured and risk-compliant approach to builder project approvals and individual home loan processing. With expertise in credit risk assessment, legal due diligence, and technical property evaluations, I focus on ensuring that lending decisions align with internal policies, regulatory guidelines, and customer interests.Key Expertise: Builder Project Approvals – Conducting thorough due diligence to assess legal title, technical feasibility, and financial viability. Home Loan Underwriting – Evaluating borrower creditworthiness and structuring loans based on risk and policy considerations. Legal & Regulatory Compliance – Ensuring adherence to property laws, mortgage regulations, and banking standards. Technical Property Assessment – Reviewing project approvals, construction quality, and marketability for loan security. Risk-Based Decision Making – Balancing business growth with prudent risk controls to maintain portfolio quality. Cross-Functional Leadership – Driving collaboration across Credit, Legal, and Technical teams for efficient loan processing.Committed to maintaining high standards in lending practices, ensuring regulatory compliance, and protecting both institutional and customer interests.