Heat 1 tablespoon vegetable oil in a medium pot or Dutch oven over medium-high heat. Add chicken to pot and season well with salt and pepper to taste. Sauté chicken until no longer pink. Transfer to a bowl and set aside.
Heat remaining 1 tablespoon vegetable oil in same pot. Add onion and saute 3-4 minutes until translucent. Add garlic, flour, and spices and cook 1-2 minutes until fragrant.
Drizzle in chicken broth, a little at a time until evenly incorporated. Add beans, green chiles, and half and half.
Scoop out 1/2 cup beans and broth mixture and transfer to a blender. Blend on high until smooth and add back to chili.
Add chicken to chili and bring to a simmer over medium-high heat. Reduce heat to medium-low and allow chili to simmer 10-15 minutes to allow the flavors to meld, stirring occasionally.
Remove chili from heat and stir in sour cream until melted. Season chili with salt and pepper to taste and serve warm with toppings. Enjoy!