In a food processor or blender, combine black beans, onion, cilantro, garlic, jalapeño, lime juice, olive oil, cumin, chili powder, garlic powder, onion powder, salt, and black pepper.
Blend until the mixture is smooth and creamy.
Transfer the black bean dip to a serving bowl. Sprinkle on cotija cheese and additional cilantro. Serve with tortilla chips or fresh vegetables.