Is this loose skin or banding underneath the chin? (Photos)

Hello (: I recently had 2 treatments of Kybella, which I think did work slightly. However, I am now noticing the area under my chin that connects to my neck has either loose skin, or banding? I'm not sure if they're bands, or if its loose skin. Depending on what the root problem is, what is the least invasive procedure that would eliminate this problem? If it is Botox, I heard that there is a risk of not being able to swallow when the botox is injected in this area. What are the chances? Thank you.