Sauté the aromatics. Heat olive oil in a large pot over medium heat.
Add onion and cook until soft and translucent, 4–5 minutes. Stir in garlic and jalapeño, and cook for 1 minute until fragrant.
Bloom the spices. Add cumin, oregano, coriander, and chili powder. Stir for 30 seconds to wake up the flavors, being careful not to scorch the spices.
Build the base. Pour in the chicken broth and add the green chiles.
Bring to a gentle simmer.
Thicken naturally. Add half of the beans to the pot. Using a potato masher or the back of a spoon, mash some of the beans against the side of the pot to thicken the broth. Leave some beans whole for texture.
Add chicken and remaining beans. Stir in the shredded chicken, remaining whole beans, and corn (if using).
Simmer for 10–12 minutes to meld flavors.
Make it creamy. Reduce heat to low. Stir in the cream cheese until fully melted and smooth, then add the half-and-half. Do not let it boil after adding dairy; keep it at a gentle heat.
Finish and balance. Stir in lime juice and cilantro.
Taste and season with salt and pepper. If you want more heat, add a pinch of cayenne or a few dashes of hot sauce.
Serve. Ladle into bowls and top with shredded cheese, tortilla chips, avocado, and a dollop of sour cream, if desired. Add extra lime on the side.