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Author Archives: Cheryl Pate

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.

Consolidation and the Value of Bank Debt

The Great Recession, although now fading into history, was certainly devastating to financial markets in general and banking institutions specifically. However, the strategic response to the crisis by financial institutions, coupled with legislative initiatives that drastically altered the regulatory landscape, ...

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