I am needing an employee to be able to update the "Dealer" lookup(account) field on an opportunity and have it automatically change the owner of the associated custom object "Application" to the same owner that is found on the Account entered in the Dealer field on the opportunity. 

Is this doable with formulas at all? I am not familiar with APEX at all and am not very good with flows yet, so any assistance is much appreciated!

I need to create a batch class to generate a nacha file for payments due the next day to send it to the bank. Is this possible using apex?