A fine female with competence and friendly disposition (10)
I believe the answer is:
affability
'friendly disposition' is the definition.
'affability' can be an answer for 'disposition' (affability is a kind of disposition). I'm not certain of the 'friendly' bit.
'a fine female with competence' is the wordplay.
'fine' becomes 'f' (abbreviation).
'female' becomes 'f' (abbreviation).
'with' means one lot of letters go next to another.
'competence' becomes 'ability' (I've seen this in another clue).
'a'+'f'+'f'+'ability'='AFFABILITY'
'and' is the link.
Can you help me to learn more?
(Other definitions for affability that I've seen before include "Good nature, sociability" , "good humour" .)