Cryptic crossword clue
Top section having skill

The most common and most likely answer to this crossword clue is the 5 letter word ADEPT

I've seen this crossword clue in The Guardian
A
D
E
P
T


Buddy explains!

The straight part
We know that "having skill" is the straight/definition part of the clue. The straight part is often a synonym or definition, in this case having skill = adept.
The cryptic/wordplay part
In cryptic crossword there's often an wordplay/cryptic part as well.
This part involves a more complex hint, such as an anagram, homophone, hidden word, etc.
Sadly, We don't have an explanation for this specific crossword clue yet.

What does ADEPT mean?

ADEPT noun
  1. One fully skilled or well versed in anything; a proficient
ADEPT adjective
  1. Well skilled; completely versed; thoroughly proficient

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