Routine is not loaded until it is called. All routines are kept on disk in a re-locatable load format. The main program is loaded into memory & is execute
Dynamic linker is a run time program that loads and binds all of the dynamic dependencies of a program before starting to execute that program. Dynamic linker will find what dynamic libraries a program requires, what libraries those libraries require (and so on), then it will load all those libraries and make sure that all references to functions then correctly point to the right place. For example, even the most basic “hello world” program will usually require the C library to display the output and so the dynamic linker will load the C library before loading the hello world program and will make sure that any calls to printf() go to the right code.