01 - Set oven temperature to 375°F and prepare for baking.
02 - Heat olive oil in a large skillet over medium heat. Add diced onion and cook for 3–4 minutes until softened. Incorporate minced garlic and continue cooking for 1 minute.
03 - Add ground beef to skillet and cook, breaking apart with a spatula, until browned and thoroughly cooked, about 6–8 minutes. Drain excess fat if necessary.
04 - Stir in ground cumin, chili powder, smoked paprika, salt, and black pepper. Incorporate black beans, diced green chiles, and tomato sauce. Mix thoroughly and simmer for 3–4 minutes. Remove from heat.
05 - Lightly grease a 9x13-inch baking dish. Spread 1/2 cup of enchilada sauce evenly on the bottom.
06 - Arrange 4 corn tortillas over the sauce, tearing to fit as needed. Spread half the beef mixture evenly on top. Sprinkle half the cheddar and Monterey Jack cheeses over the beef. Drizzle 1/2 cup enchilada sauce atop the layer.
07 - Repeat layering with remaining tortillas, beef mixture, most of the remaining cheese, and remaining enchilada sauce, reserving some cheese for topping.
08 - Cover casserole with foil and bake in preheated oven for 20 minutes.
09 - Remove foil, sprinkle reserved cheese on top, and bake uncovered for an additional 10–15 minutes until cheese is melted and golden.
10 - Allow dish to rest for 10 minutes before slicing. Garnish with chopped cilantro, avocado slices, and sour cream as desired.