In a Dutch oven or large pot, add all the ingredients EXCEPT the beans and cheese.
Give it a stir to combine everything. Cover, and bring to a boil.
Reduce heat to medium-low and simmer, covered, for 12-15 minutes, stirring occasionally.
There should be about 1/2 inch of liquid in the bottom of the pot when it is done.
Stir in the black beans and cheese. Heat about 5 minutes or until the beans are heated and the cheese has melted.