Management Team
RRMS Advisors
RRMS Advisors is comprised of a uniquely qualified team of professionals with broad mortgage finance expertise across all facets of recourse assessment and resolution. Our capabilities include, but are not limited to: forensic analysis, compliance monitoring, credit policy, loan origination, securitization, MBS ratings, structuring, trading, analytics, servicing surveillance, default management, risk assessment, audit advisory, conduit operations, REO asset management, legal compliance, and loan repurchases.
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Our team brings together seasoned professionals with diverse backgrounds in mortgage finance, risk management, and internal controls. This depth of experience enables us to collaborate effectively with all stakeholders in a persistent, focused, and results-driven manner.
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In addition to our core team, RRMS employs a range of specialized experts, including MBS tactical specialists, loan servicing professionals, CPAs, and attorneys.
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RRMS Advisors is committed to forging the strategic partnerships necessary to navigate today’s dynamic marketplace, achieve client objectives, and exceed expectations.
Management Team Members
Allen Gutterman
Allen Gutterman has over 25 years experience in the mortgage finance industry. He has a vast array of expertise in all facets of mortgage banking operations including: servicing-default management, collections, customer service, loan boarding, credit, securitization and quality control. Mr. Gutterman also has extensive experience partnering with major Investment Banks to define and execute due diligence strategies for whole-loan and bulk purchase transactions.
Mr. Gutterman is a graduate of Cornell University, with extensive industry training. He is also the founder and Chief Executive Officer of RRMS Advisors’ affiliate company, The Response Companies, which specializes in staffing augmentation relating to key facets of the mortgage finance industry. Mr. Gutterman’s nation-wide network of experienced mortgage professionals provides RRMS with a unique ability to quickly assemble teams of qualified professionals to partner with clients on all engagements.
Mr. Gutterman can be contacted directly to assess how his vast network of mortgage professionals may be of assistance to you.
Brian Lin
Brian Lin brings over 25 years of experience in residential mortgage-backed securities and commercial finance. At RRMS Advisors, Mr. Lin has delivered a wide range of advisory services to commercial and investment banks, trustees, mortgage servicers, credit unions, mortgage originators, and hedge funds.
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Widely recognized as a leading expert in residential mortgage industry litigation, Mr. Lin served as the lead expert in the landmark $8.5 billion Bank of America settlement. His prior roles include Director and Vice President positions in mortgage banking, trading, and structuring at major investment banks such as Lehman Brothers, Nomura Securities International, Inc., and Merrill Lynch.
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Mr. Lin holds a Bachelor of Science degree and an MBA from NYU’s Stern School of Business, with a triple concentration in Finance, Information Systems, and Entrepreneurship & Business Innovation. He is a Certified Public Accountant (CPA) and has successfully passed both the Series 7 and Series 63 securities examinations.
Vincent Spoto
Vincent Spoto has over 25 years experience in the financial services sector, and has held several senior management roles with Chase Manhattan Bank, Citigroup and Credit Suisse. While at Credit Suisse, Mr. Spoto established a formal Servicing Oversight group for the Residential Mortgage-Backed Securities business, and served as Director leading all servicing operations, surveillance and loan repurchase activities.
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He has extensive mortgage experience relating to conduit operations, loss mitigation and default management, servicing operations, loan repurchases, risk management and audit / quality control. In addition, Mr. Spoto has extensive experience across a variety of products developing risk assessment tools to identify compliance with key corporate policies and regulations, and has worked closely with Internal Audit, Rating Agencies and External Regulators.
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Mr. Spoto holds a Bachelor’s degree from Queens College of CUNY, an MBA in Finance from Saint John’s University and a second Master’s degree in Accounting, also from Saint John’s University. In addition, he has passed both the Series 7 and 63 professional securities examinations.