Add chopped onion and minced garlic to a large pot over medium heat.
Sauté until the onion is soft and translucent, about 4 minutes.
Add the cooked, shredded chicken to the pot.
Pour in the white beans and diced green chiles.
Add the chicken broth and stir to combine.
Sprinkle in cumin, salt, pepper, and chili powder.
Bring everything to a gentle simmer and cook for 15 to 20 minutes.
Reduce heat to low and stir in the cream cheese until fully melted and smooth.
If using shredded cheese, stir it in until melted.
Add lime juice and stir.
Taste and adjust seasoning if needed.
Optional: Stir in corn, cilantro, hominy, or a dash of hot sauce.
Serve hot with your favorite toppings.