H CUSTOMER SERVICE QUALITY
H COMMERCIAL SYSTEMATICS
H PRODUCTS, SERVICES, AND COMMERCIAL MANAGEMENT IN 'BUSINESS BANKING'
H BALANCE SHEET, INCOME STATEMENT, AND CASH FLOW ANALYSIS
H CUSTOMER RELATIONSHIP MODEL
H CUSTOMER ACQUISITION
H CLOSING SALES, NEGOTIATION AND AGREEMENTS
H BANKING AND/OR FINANCIAL PRODUCTS AND SERVICES
H COMMERCIAL MANAGEMENT AND CLIENT PORTFOLIO
S.1.4 ALLIANCES – COMMUNICATION
S.2.1 HUMANISM – COMMUNICATION AND EMPATHY
H OPERATIONS, RISK, AND SECURITIES POLICIES AND PROCEDURES
H COMMERCIAL CONSULTING
H KNOWLEDGE OF CUSTOMERS AND SECTORS
H PRODUCT COMBINATION-BASED SALES
S.1.1 ALLIANCES – COLLABORATION AND TRANSVERSALITY
S.1.3 ALLIANCES – INFLUENCE
S.1.2 ALLIANCES – CUSTOMER ORIENTATION
S.2.2 HUMANISM – LEADERSHIP AND TEAM DEVELOPMENT / SELF-LEADERSHIP
H PROFITABILITY ANALYSIS
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 INTERNAL REGULATIONS AND PROCEDURES AGAINST MONEY LAUNDERING
H CORPORATE CLIENT ANALYSIS
H FINANCIAL ENVIRONMENT