Cryptic crossword clue
Spooner’s “inn loaf” must be cooked ham 3-12

The most common and most likely answer to this crossword clue is the 16 letter word NON-PROFESSIONAL

I've seen this crossword clue in Financial Times
N
O
N
-
P
R
O
F
E
S
S
I
O
N
A
L

Buddy explains!

The straight part
We know that "ham" is the straight/definition part of the clue. The straight part is often a synonym or definition, in this case ham = non-professional.
The cryptic/wordplay part
In cryptic crossword there's often an wordplay/cryptic part as well.
This part involves a more complex hint, such as an anagram, homophone, hidden word, etc.
Sadly, We don't have an explanation for this specific crossword clue yet.

What does NON-PROFESSIONAL mean?

NON-PROFESSIONAL noun
  1. One who is not a professional; an amateur.
NON-PROFESSIONAL adjective
  1. Not professional; amateur

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