Cheryl Neff started work in loan sales last Monday at Bear Stearns after leaving Bank of America, where she started in 1983. Bankers said Neff moved in order to stay in New York, rather than move to Charlotte, but Neff could not be reached for comment. She reports to Elizabeth Goldstein, head of sales and trading at Bear. While at B of A, Neff worked in U.S. and Canadian sales, reporting most recently to Joe Siman, managing director. Calls to Bear spokesman Russel Sherman were not returned.