Albedo is given in a variety of definitions, and the blacktop analogy is the result of the abuse of a couple of such definitions. Without knowing the definition that is used, its impossible to be sure you are comparing apples to apples. The simplest version of albedo is the Lambert albedo. A Lambert surface is one which scatters light isotropically - in other words, an equal intensity of light is scattered in all directions; it doesn't matter whether you measure it from directly above the surface or off to the side. The photometer will give you the same reading.
For a lambert planetary surface, the illumination effects are entirely geometric. The brightest illumination is directly below the sun, and the amount of light reflected diminishes the farther you get from this point, simply because the sunlight is played along a greater arc of the surface. The illumination isophotes will be round. Unfortunately, the moon is not a Lambert surface.
For one thing, the subsolar point does not provide the brightest reflection - the limb does. And the phase curve has a sharp peak in brightness during full moon - the moon is extra reflective at full compared to first quarter. Attempts were once made to explain this in terms of a Lambert surface with various kinds of topography, but this does not work out.
It is now known that this departure from a Lambert surface is caused by the very porous first few millimeters of the lunar regolith. Sunlight can penetrate the surface and illuminate subsurface grains, the scattered light from which can make its way back out in any direction. At full phase, all such grains cover their own shadows; the dark shadows being covered by bright grains, the surface is brighter than normal.