Crossword Genius

Assign gold to someone out of pocket (8)

Ross

I believe the answer is:

creditor

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'someone out of pocket' is the definition.
I can't tell whether this definition defines the answer.

'assign gold' is the wordplay.
'assign' becomes 'credit' (crediting is a kind of assigning).
'gold' becomes 'or' ('or' is the heraldic name for gold).
'credit'+'or'='CREDITOR'

'to' acts as a link.

Can you help me to learn more?

(Other definitions for creditor that I've seen before include "Director (anag)" , "to whom something is due" , "One who's owed money" , "Person to whom debt is owed" , "Moneylender" .)

I've seen this clue in The Daily Express.
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