Timothy Dombrowski is an Assistant Professor of Finance at the University of Missouri–St. Louis. He holds a Ph.D. from Louisiana State University with a major in Finance, minor in Economics, and graduate certificate in Econometrics. He also received a B.A. in Accounting and Mathematics from Saint Leo University. His research focuses on a variety of topics across real estate finance, including risk management in mortgage markets, flood insurance markets, and innovations in financial technology. He has articles published in the Journal of Real Estate Finance and Economics, European Journal of Operational Research, Journal of Housing Research, and Advances in Econometrics, among others. Dombrowski also takes an active role on campus as the faculty advisor of the Finance Club, which hosts an annual Finance Career Conference as well as other events.
Education
Ph.D. in Finance with Economics Minor, Louisiana State Unversity
Graduate Certificate in Econometrics, Louisiana State University
B.A. Accounting and Mathematics, Saint Leo University
A.A. Pasco-Hernando State College
Courses
FINANCE 3500 - Financial Management
FINANCE 3542/6542 - Real Estate
FINANCE 3572/6572 - Financial Data Analytics
FINANCE 3574/6574 - AI Applications in Finance
FINANCE 3598/6590 - FINRA Exam Prep.
Research
Below is a list of selected research publications. For more details, see timdombrowski.com, Google Scholar, ResearchGate, and ORCID.
Dombrowski, T.P. and Seagraves, C. (2025), "Optimizing Real Estate Portfolios: The Role of Generative AI in Geographic Diversification." Journal of Real Estate Portfolio Management, Forthcoming. DOI: 10.1080/10835547.2025.2513145
Calabrese, R., Dombrowski, T.P., Mandel, A., Pace, R.K., and Zanin, L. (2024), “Impacts of Extreme Weather Events on Mortgage Risks and Their Evolution under Climate Change: A Case Study on Florida.” European Journal of Operational Research, 314:1, 377–392. DOI: 10.1016/j.ejor.2023.11.022
Dombrowski, T.P., Pace, R.K., and Wang, J. (2024), “Imputing Borrower Heterogeneity and Dynamics in Mortgage Default Models.” Journal of Real Estate Finance and Economics, 68:3, 462–487. DOI: 10.1007/s11146-022-09934-9
Dombrowski, T.P., Narayanan, R.P., and Pace, R.K. (2023), “The Rank-Size Rule and Challenges in Diversifying Commercial Real Estate Portfolios,” Journal of Real Estate Finance and Economics, 67:1, 1–28. DOI: 10.1007/s11146-020-09765-6
Dombrowski, T.P., Pace, R.K. Ratnadiwakara, D., and Slawson Jr., V.C. (2020), “Deductible Choice in Flood Insurance: Who Chooses the Maximum?” Journal of Housing Research, 29, S144–S169. DOI: 10.1080/10527001.2020.1839320
Dombrowski, T.P., Pace, R.K., and Narayanan, R.P. (2020), “Mortgage Portfolio Diversification in the Presence of Cross-Sectional and Spatial Dependence,” Advances in Econometrics, 41, 383–411. DOI: 10.1108/S0731-905320200000041014
