have good knowledge in excel , having a working experience in excel.
Have used the program before - can save things sensibly, perform basic formatting and copy and pasting.
Competent - can use a decent number of the programs' built in tools to be more efficient and let others be more efficient. So for Word, tables of contents, styles, bullets, tabs, tracked changes. For Excel, aggregation worksheet functions (SUM, AVERAGE etc) and VLOOKUP, data sorting and filtering, familiarity with the different Paste Special options.