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Course description

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.


Andy Zavoina

Mr. Andy Zavoina, CRCM, is an Executive Vice President with the Glia Group, Inc., best known for its involvement with He joined Glia and BOL in 2003. Mr. Zavoina has been in finance and banking for over 39 years. Over 20 years were with a two-bank holding company that had $534 million in assets, 89 branches spanning Texas and nearly 500 ATMs. He has done loan workouts, has been a consumer, commercial and real estate lender and managed those departments, as well as being his banks first Webmaster. He was responsible for compliance -management, -auditing, and -training for both banks. 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 is a BankersOnline Guru. 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. He has written articles and lectured on compliance, the use of the internet and technology as a tool, as well as compliance in cyberspace to local, state and national associations across the U.S. and teaches basic compliance and compliance management. You can reach Andy on the Internet by using his e-mail address,, or visiting

Course curriculum

  • 1


    • Applications and Applicants – What you must know

  • 2


    • Materials

    • Slides

    • Webinar Q & A Document