Answer:
The answers is B
Step-by-step explanation:
In order for the architect to meet the following requirements;
# A custom Loan object requires Org-Wide Defaults set to Private.
# The owner of the Loan record will be the Loan Origination Officer.
# The Loan record must be shared with a specific Underwriter on a loan-by-loan basis.
# The Underwriters should only see the Loan records for which they are assigned.
The architect should recommend
(B.) Creating a lookup relationship from the Loan object to the User object. Use a trigger on the Loan object to create the corresponding record in the Loan_share object