Prepare the vegetables: Dice the onion and mince the garlic. Drain and rinse the beans and drain the corn if canned.
Sauté the onion: Cook the onion in a large pot over medium heat for 4 to 5 minutes until soft.
Add garlic and seasonings: Stir in garlic, cumin, chili powder, and oregano and cook briefly until fragrant.
Add chicken and broth: Add the chicken, broth, green chiles, beans, and corn and stir gently.
Simmer: Bring to a gentle boil, reduce heat, and simmer 20 to 25 minutes until chicken is cooked through.
Shred chicken: Remove the chicken, cool briefly, then shred with two forks.
Return chicken: Stir shredded chicken back into the chili and simmer 5 minutes.
Make creamy: Add softened cream cheese over low heat and stir until smooth.
Adjust consistency: Add broth if too thick or simmer uncovered if too thin.
Finish and serve: Stir in lime juice, adjust seasoning, and serve with optional toppings.