Interviews with ten officers in the lending centers of two Dallas, Texas banks concerning their possession of and need for second language skills on the job revealed that all but one had second language training and three were nonnatives. Five of the native-born Americans had lived abroad and/or studied languages in college. Two of the officers were planning assignments abroad, and one was learning a foreign language for that job. It was learned that both banks cover the cost of refresher language training, but that extra compensation for language skills is given only at the clerical level. All officers reported using their foreign language skills for 5% to 35% of each day, with superiors, co-workers, and clients, on the telephone, face-to-face, and during travel; some mentioned the importance of lowering cultural barriers with customers. Listening and speaking were identified as the most widely used skills. While the officers reported that second language skills were not necessary for international banking positions, language skills and cultural awareness are considered assets. (MSE)