Includes: (1) quantitative components within the underwriting narrative documenting the credit analysis; (2) accurate use of risk rating scoring models (aka Dual Risk Rating), both quantitative and qualitative rating elements, to ensure customers and loans are properly risk-rated; (3) accurate identification and mitigation of all exceptions to Bank tracked policies exceptions (TPE), tracked guidelines exceptions (TGE), procedures and compliance regulations; and (4) accurate loan coding consistent with nature of the borrowing relationship and terms of the credit(s). Typical transactions include multi-unit franchisor, independently branded, and franchisee operators (sponsor-backed and owner-operator) utilizing working capital / development lines of credit, cash flow term loans, equipment financing, and commercial real estate loans (owner-occupied) supporting franchise operations.