Reluctant individual overlooking an area of Scotland (7)
I believe the answer is:
lothian
'area of scotland' is the definition.
(Scottish region)
'reluctant individual overlooking an' is the wordplay.
'reluctant' becomes 'loth' (if you are loth to do something you are reluctant).
'individual' becomes 'i' (Roman numeral for one).
'overlooking' says to put letters next to each other (in a down clue, some letters go above others).
'loth'+'i'+'an'='LOTHIAN'
(Other definitions for lothian that I've seen before include "Edinburgh area" , "Historic Scottish region" .)