Cultural competence in human services workers to improve cross-cultural communication is achieved by:

I believe the answer is:  being more adaptable to, and flexible in, choosing how to respond to situations across cultures
Every cultures has a certain unique values and tradition that become the foundation of almost every decision making made by the members of that culture. Since this would most likely affect the outcome of the job, the workers need to be able to adapt to the unique culture that they face on the field.

Iwould think a loan officer but i'm not sure

Yes all of them are right