An Internal auditor at a bank identifies a gap in the loan approval process that could lead to increased fault risks. What is the most constructive way for the auditor to address this issue?

A$).$ Recommend halting all new loans until the gap is addressed.

B$).$ Suggest improvements to the loan approval process to mitigate default risks.

C$).$ Advise the bank to increase interest rates to cover potential defaults.

D$).$ Propose outsourcing the loan approval process to reduce risk.