I roast the pepper over a gas burner on the stove, charring all the skin of the pepper. Then I let it cool, peel off the skin, and loosely chop the pepper, removing the stem and seeds.
Then place the beans in a food processor along with the poblano pepper, cream cheese, white onion, garlic, lime juice, lemon juice, olive oil, chili powder, cumin, salt, pepper, and cayenne.