Place a medium sized saucepan over medium heat and add oil.
When oil begins to shimmer, add diced onion. Sauté onion for 4-5 minutes until lightly browned.
Add minced garlic and continue to sauté for 30 seconds.
Add black beans, chipotle powder, oregano, and salt.
Reduce heat to medium-low and allow mixture to simmer for 5-10 minutes.
Gradually add in shredded cheese and stir until cheese is melted.
Use an immersion blender to blend beans to desired consistency. For a thicker and more rustic consistency, use a potato masher to crush beans into desired consistency.
Optional: garnish with chopped cilantro, diced jalapeno peppers, or lime juice.