Crossword Genius

How loan-seeker might go across river? (4,4,2,4)

Ross

I believe the answer is:

from bank to bank

I'm a little stuck... Click here to teach me more about this clue!

'how loan-seeker might go across' is the definition.
I know nothing about this answer so I cannot judge whether it can be defined by this definition.

'river?' is the wordplay.
I cannot quite understand how this works, but
'river?' could be 'ob' (Ob is an example) and 'ob' is found in the answer.
This explanation may well be incorrect...

Can you help me to learn more?

I've seen this clue in the Sydney Morning Herald.
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