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Management Team

RRMS Advisors

RRMS consists of a uniquely qualified team of professionals with broad mortgage finance skills in all facets of recourse assessment and resolution, including, but 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 re-purchases.

RRMS Advisors consists of a team of seasoned professionals having diverse mortgage finance, risk management, and internal control experience allowing it to work collaboratively with all parties in a persistent, aggressive and dedicated manner.

RRMS also employs a variety of MBS tactical specialists, loan servicing specialists, CPA’s and attorneys.

RRMS can provide assistance by forging the partnerships necessary to address today’s ever-changing marketplace challenges, meet client goals and exceed expectations.

Management Team Members
Allen Gutterman
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Brian Lin
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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 has over 20 years experience in residential mortgage-backed securities and commercial finance.  While at RRMS, Mr. Lin has provided numerous advisory services to the Commercial and Investment Banks, Trustees, Mortgage Servicers, Credit Unions, Mortgage Originators, and Hedge funds. 


Mr. Lin is the leading expert on residential mortgage industry litigations; he was the lead expert on the historic $8.5 billion BofA Settlement. Brian’s past experience has included working in various capacities within the mortgage sector as a Director / Vice President of mortgage banking, trading and structuring for major Investment Banks including: Lehman Brothers, Nomura Securities International, Inc. and Merrill Lynch.


Mr. Lin earned a Bachelor’s of Science degree from NYU’s Stern School of Business, and also earned an MBA from NYU Stern School of Business with a triple major in Finance / Information Systems / Entrepreneurship & Business Innovation.  Mr. Lin is a CPA, and has passed both the Series 7 and Series 63 professional securities examinations.

Vincent Spoto
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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.

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.

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.

Need more details? Contact us.

We are here to assist. Contact us by phone or email. You can also check us out on LinkedIn.

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