One drawing loads of craft in cold bay, say (9)
I believe the answer is:
carthorse
'one drawing loads' is the definition.
Although both the answer and definition are singular nouns, I can't see how they can define each other.
'craft in cold bay say' is the wordplay.
'craft' becomes 'art' (both can mean cunning or trickery).
'in' indicates putting letters inside.
'cold' becomes 'C' (eg on taps).
'bay say' becomes 'horse' (bay is a kind of horse).
'c'+'horse'='chorse'
'art' going within 'chorse' is 'CARTHORSE'.
'of' acts as a link.
Can you help me to learn more?
(Other definitions for carthorse that I've seen before include "Beast of burden" , "Equine" , "large drawer" , "has pulling power" .)