Talent is:
- A special natural ability or aptitude to do something
- Something a person is born with
- Something you cannot teach
Skill is:
- The ability, coming from one's knowledge, practice, aptitude, etc.
- Something that can be learned, honed and improved
- You can only teach new Skills. Skills and not a substitute for Talent.
A few examples:
- Writing is a talent, but knowing how to use Microsoft Word is a skill
- Photography is a talent, but knowing how to use a camera is a skill
- Empathy is a talent, but nursing (as in a hospital job) is a skill
- Writing good algorithms is a talent, but developing programs in Java (programming language) is a skill.