H COMMERCIAL SYSTEMATICS
H CUSTOMER RELATIONSHIP MODEL
H INDIVIDUAL BANKING PRODUCTS AND SERVICES
H PRODUCT COMBINATION-BASED SALES
H COMMERCIAL MANAGEMENT AND CLIENT PORTFOLIO
H OMNICHANNEL CUSTOMER SERVICE
H CLOSING DIGITAL SALES
S.1.1 ALLIANCES – COLLABORATION AND TRANSVERSALITY
S.1.4 ALLIANCES – COMMUNICATION
H DIGITAL CUSTOMER ONBOARDING AND ENROLLMENT
H CREDIT RISK
S.1.3 ALLIANCES – INFLUENCE
S.1.2 ALLIANCES – CUSTOMER ORIENTATION
S.2.1 HUMANISM – COMMUNICATION AND EMPATHY
S.2.2 HUMANISM – LEADERSHIP AND TEAM DEVELOPMENT / SELF-LEADERSHIP
S.4.1 ANTICIPATION – ANTICIPATION AND CHANGE MANAGEMENT
S.3.1 EMPOWEREMENT – FOCUS ON RESULTS
S.5.1 DIVERSITY – PROMOTING DIVERSITY
H ANTICIPATION AND PROACTIVE IDENTIFICATION OF BUSINESS OPPORTUNITIES
H COMMERCIAL TOOLS
H COMMERCIAL CONSULTING
H IA LITERACY