Collaborate with small business underwriting to structure terms that provide appropriate returns and mitigate risk by sizing facilities to verified cash flow and working capital cycles, aligning term and amortization to loan purpose and collateral useful life, setting collateral advance rates and loan‑to‑value within policy, confirming guarantor support and global Debt Service Coverage Ratio, selecting SBA products and guaranty levels when eligibility strengthens repayment and reduces risk, and defining pre‑funding conditions and covenants with clear documentation. Experience in branch processes including business account opening, Know Your Customer/Customer Identification Program (KYC/CIP), online and treasury services setup.