01 - Preheat the oven to 400°F. Position the rack in the center.
02 - Heat olive oil in a large oven-safe skillet or Dutch oven over medium heat. Add the chopped onions and sauté until softened, about 3 minutes.
03 - Add the sliced mushrooms and cook until golden brown and most of the moisture has evaporated, about 6 minutes.
04 - Stir in the minced garlic and cook for 1 minute until fragrant. Add the drained white beans and toss to combine.
05 - Sprinkle in the smoked paprika, ground cumin, chili flakes, salt, and pepper. Stir well to evenly coat all ingredients.
06 - Pour in the vegetable broth and bring to a gentle simmer. Cook for 5 minutes, allowing the flavors to meld together.
07 - Reduce heat to low. Stir in the heavy cream and cream cheese, cooking gently until the mixture becomes creamy and well-blended, about 3 minutes. Adjust seasoning as needed.
08 - In a small bowl, combine the shredded cheddar, panko breadcrumbs, fresh herbs, and melted butter or oil. Toss until evenly mixed.
09 - Sprinkle the cheddar herb topping evenly over the bean and mushroom mixture. Transfer the skillet to the oven and bake for 15 minutes, or until the topping is golden and bubbling.
10 - Remove from the oven and let rest for 5 minutes before serving. This allows the sauce to thicken slightly.