2022 Amend federal tax question

I filed my 2022 return in early March it was accepted by IRS , then a week later I received more documents from financial institution which lowered my refund. Now do I need to amend my return? If yes, then do I mail it to IRS before April 15 while they are still processing my original return? Or wait until I get a refund and then file the amended return? Now, since amended return shows I owe IRS, will they charge me penalty/interest?

Please someone help, very confused.  Thanks.