Sauté the aromatics. Heat 1–2 tablespoons olive oil in a large pot over medium heat.
Add the diced onion and a pinch of salt. Cook 4–5 minutes until softened. Stir in garlic and jalapeño, and cook 30–60 seconds until fragrant.
Toast the spices. Add cumin, coriander, oregano, and chili powder.
Stir for 30 seconds to bloom the spices and deepen the flavor.
Add chiles and broth. Stir in the canned green chiles and pour in the chicken broth. Bring to a gentle simmer.
Build the chili. Stir in the shredded chicken, white beans, and corn (if using). Season with salt and pepper.
Simmer uncovered for 10–15 minutes so the flavors meld.
Make it creamy. Reduce the heat to low. Stir in the cream cheese until it melts smoothly into the broth. Add half-and-half.
Warm gently without boiling to keep it silky.
Finish and balance. Turn off the heat. Add lime juice and chopped cilantro. Taste and adjust salt, pepper, or lime as needed.
Serve. Ladle into bowls and top with cheese, avocado, tortilla chips, extra cilantro, or sour cream.
Serve with warm cornbread or a simple salad.