Rinse and strain the black beans thoroughly. If using frozen or fresh corn, cook according to package instructions or until tender, then strain and set aside.

Finely chop the red onion and dice the avocado, tomatoes, and red bell pepper into small cubes.

In a large mixing bowl, combine all the prepared ingredients: black beans, corn, avocado, red onion, tomatoes, red bell pepper, cilantro, garlic, lime juice, salt, chili powder, and olive oil.

Using a wooden spoon or tongs, gently toss all the ingredients together until evenly mixed and coated with dressing.

Sprinkle the crumbled Cotija or feta cheese on top of the salad or mix it through for a more integrated flavor.

Serve this vibrant salad as a refreshing side or a standalone meal for a light and nutritious option.