01 - Preheat oven to 400°F. Position rack in the center of the oven.
02 - Heat olive oil in a large oven-safe skillet or Dutch oven over medium heat. Add the chopped onion and sauté until softened and translucent, about 3 minutes.
03 - Add the sliced mushrooms and cook, stirring occasionally, until golden brown and most of the released moisture has evaporated, about 6 minutes.
04 - Stir in the minced garlic and cook until fragrant, about 1 minute. Add the drained white beans and gently toss to combine with the vegetables.
05 - Sprinkle smoked paprika, ground cumin, chili flakes, salt, and pepper over the bean mixture. Stir thoroughly to evenly distribute the spices.
06 - Pour in the vegetable broth and bring to a gentle simmer. Cook for 5 minutes, allowing the flavors to meld and the liquid to reduce slightly.
07 - Reduce heat to low. Stir in the heavy cream and cream cheese, stirring continuously until the sauce is smooth, creamy, and well blended, about 3 minutes. Adjust seasoning to taste.
08 - In a small mixing bowl, combine the shredded cheddar, panko breadcrumbs, chopped parsley, chives or thyme, and melted butter or olive oil. Toss until the breadcrumbs are evenly coated.
09 - Sprinkle the cheddar herb topping evenly over the bean and mushroom mixture. Transfer the skillet to the preheated oven and bake for 15 minutes, or until the topping is golden brown and bubbling.
10 - Remove from the oven and let rest for 5 minutes before serving to allow the sauce to thicken slightly. Serve with crusty bread or a fresh green salad.