SBA PPP Repayment Terms

Manager at a bank ($143MUSA)
Just checking to see how other banks offering the SBA PPP loans are setting up your repayment terms?  We are looking at setting up on 2 annual payments however legal counsel has questioned if this could be considered balloon payments and some guidance they have read stated the loan could not be on a balloon payment schedule.  We are just unsure with our new system how to set up 6 months deferred and then amortized out over the remaining 18 months.