Heat a large skillet over medium heat and add the ground beef. Cook until browned, breaking it up with a spoon as it cooks. Add the diced onion and minced garlic, then cook for 2 minutes until the onion softens.
Stir in the rice, chili powder, and cumin. Cook for 1 minute to toast the rice and spices.
Pour in the enchilada sauce, beef broth, and black beans. Stir everything together and bring the mixture to a simmer.
Cover the skillet and reduce the heat to low. Cook for 18 to 20 minutes until the rice is tender and most of the liquid is absorbed.
Sprinkle the shredded cheese over the top. Cover again for 2 minutes until the cheese melts. Remove from heat and sprinkle with chopped cilantro before serving.