Applications and Applicants – What you must know.


Presented by Andy Zavoina
Add CD-ROM to Cart:

(Product will be shipped via USPS)


Who in the bank absolutely must understand WHO is an applicant, WHAT is an application and WHEN was the application submitted - if in fact it is considered submitted? The answer is simple, everyone who is taking and processing that loan request needs to understand who the borrowers will be, who may be a cosigner or guarantor, who should receive what disclosures and when, as well as what timeframes the bank has to make and communicate decisions.

In this webinar, we will discuss:
  • What is considered a loan application?
    • ECOA vs. HMDA vs. TRID?
  • When does an inquiry become an application?
  • What is a pre-qualification?
  • What must be done with a pre-qualification request?
  • What is a pre-approval?
  • What must be done with a pre-approval request?
  • When must an application be in writing?
  • How do you handle applications not received in person?
  • Must applications be signed to be valid loan requests?
  • Can I require a spouse or someone else to sign?
  • When can I require someone to guaranty or co-sign?
This webinar is perfect for Compliance Officers who train or audit on loans, loan processors, other audit personnel and loan operations staff.

About the Speaker: Andy Zavoina, CRCM, is an Executive Vice President and Chief Relationship Officer with the Glia Group, Inc., best known for its interest in He joined Glia and BOL in 2003.

Mr. Zavoina has been in finance and banking for 35 years. Over 20 years were with a two-bank holding company which had $534 million in assets, 89 branches spanning Texas and nearly 500 ATMs. He managed loan workouts, has been a consumer, commercial and real estate lender, managing those departments, as well as being his banks first Webmaster. He was responsible for compliance -management, -auditing, and -training for both banks.

Andy is a frequent webinar presenter for BOL Learning Connect and a key contributor to conferences put on by BOL Conferences, Inc. In addition, Andy teaches live presentations at state association schools and regional compliance organizations across the U.S. and has served on the faculty of national banking schools. He has written articles and lectured on many facets of compliance, the use of the internet and technology as a tool, as well as compliance in cyberspace.

As a BankersOnline Guru, Andy assists banks in every day, and not so every day, compliance questions on BankersOnline, and other organizations.

Mr. Zavoina is a recipient of the American Bankers Association’s Distinguished Service Award for his involvement and accomplishments in the field of regulatory compliance management. He is a past Chairman of the ABA’s Compliance Executive Committee, the Editorial Advisory Board for the ABA Compliance Magazine and served as a member of the ABA’s Compliance School Board. He also served on the Texas Bankers Association's Compliance Committee.

He is a graduate of the ABA National Commercial Lending School, National Compliance and National Graduate Compliance School and is a Certified Regulatory Compliance Manager with the Institute of Certified Bankers.

You can reach Andy on the Internet by using his e-mail address,, or visiting

This program was recorded in its entirety in September 2018. The CD-ROM includes program slides, materials (if available) and follow-up Q & A document.

Add to Cart:

  • Model: cd_applications0918
  • Manufactured by: Glia Group, Inc.

This product was added to our catalog on Tuesday 16 August, 2005.

Copyright © 2023