This means that when you saved your figure to the Poser Library, she was not in the default zero position.  Go into the Parameters/Properties palette, select the Parameters tab, and ensure that the xTran, yTran, and zTran settings are set to 0 degrees.  This is very important because when you load the sweater it should appear in the same location as the figure.  You cannot run a Cloth simulation as you show in the screencap.  Even if the clothing is parented to the figure, the simulation will fail.  Clothing must overlap the figure in frame 1 of the simulation.  At worst, you will need to translate (move) either figure or clothing, as long as there isn't a pose applied.  

If you navigate to the taskbar, under the Figure menu, there are 2 settings, Zero Rotations and Zero Figure.  When you want to restore the figure to a default T- or A- position, you use the Zero Rotations; this will zero all joint rotations from a pose.  If you want to reset your morph and figure to a default position, you use the Zero Figure.  Use this with caution, it will wipe out any morph settings, including custom morphs, applied to the figure.  This is not practical if you created a custom morph and did not save it back to the Poser Library.  But we are getting ahead of ourselves.  

If the prop needs to be set to the zero position, navigate to Edit on the Taskbar and select Restore>Object.  This should place the Sweater into its default position as specified by its internal settings.

I suggest reloading both the figure and sweater as above and if they appear like the screencap, apply the corrective action as I outlined in the comment.  Let us know how it turns out.