How to handle a change of ownership stake in the. business when SBA loan is involved ?

scenario 1 : with in first 12 months of acquisition of business
Scenario 2 : after 12 months of acquisition of business

We are inviting a senior member to join leadership role , she likes to have equity plus a management salary. We would like to put a proposal for the bank to review. As I understand Bank or sba dont entertain changing ownerships with in 12 months.

What if bank refuses to allow change of ownership at all. ? We may not be ready to refinance and incur unnecessary cost ( sba fee, legals etc for no reason).
Is there a creative way to address this.

We don't want to let go of this talent,.

Thank you in advance.