Sauté your aromatics: Heat olive oil in a large pot or Dutch oven over medium heat. Add onion, poblano, and jalapeño (if using).
Cook 5–6 minutes until softened. Stir in garlic and cook 30 seconds until fragrant.
Bloom the spices: Add cumin, chili powder, oregano, coriander, and cayenne. Stir for 30–60 seconds to lightly toast the spices.
This wakes up their flavor.
Add the base: Pour in chicken broth and add the green chiles. Scrape up any browned bits from the pot for extra flavor.
Bean boost: Add one can of white beans whole. Mash about half of the second can with a fork and add to the pot.
The mash helps thicken the chili naturally.
Simmer: Bring to a gentle simmer and cook 10 minutes to let the flavors meld.
Stir in chicken and creaminess: Add shredded chicken and cream cheese. Stir until the cream cheese melts and the chili looks creamy and smooth, about 3–4 minutes.
Finish with dairy and lime: Pour in half-and-half and lime juice. Simmer 2–3 more minutes.
Taste and season with salt and pepper. If it’s too thick, add a splash of broth; too thin, simmer a bit longer.
Serve: Ladle into bowls and top with cilantro, avocado, cheese, chips, or a dollop of sour cream. Add extra lime for brightness.