Cheryl is a Senior Portfolio Analyst at Angel Oak Capital. Pate has more than 15 years’ experience in financial services and primarily focuses on investment research, particularly in the non-bank financials and community banking sectors. Pate joined Angel Oak in 2017 from Morgan Stanley, where she was an Executive Director and Head of Consumer & Specialty Finance Equity Research. Her research coverage included the consumer finance, specialty finance, mortgage servicing/originations, mortgage REIT, payments, fintech, and banking industries. Pate holds an M.B.A. from Duke University’s Fuqua School of Business and a B.S. in Commerce (Finance) from the University of British Columbia. She also holds the Chartered Financial Analyst (CFA) designation.