In a large pot, add the oil and onion and sauté for about 5 minutes. Add the minced garlic and sauté for another minute.
Add the broth, green chilies, and seasonings and bring to a simmer.
Add the beans, corn, and cream cheese. I cut the cream cheese into little squares to help it melt better. Stir and simmer until cream cheese is dissolved. Add the chicken and simmer for 10-15 minutes.
Stir in the lime juice and cilantro and serve.
Serve with tortilla chips, shredded cheese, sour cream, lime wedges, chopped cilantro, and avocados if desired.