An applicant for a state bank may, at its option, withhold the identity of prospective officers until such time as the banking commissioner issues a final order on the application. Approval of the application is conditioned upon filing, with the banking commissioner, the required information and authorizations on qualified proposed officers. Upon receipt of the required information, the banking commissioner shall review and investigate the qualification of the proposed officers and deliver the certificate of authority pursuant to the Finance Code, §32.006, if the banking commissioner finds that the proposed officers meet the requirements of the Finance Code, §32.003(b)(4).