In a large pot or skillet, saute onions, red pepper, jalapenos, and carrots until softened.
Add tomatoes, ham steak, cilantro, and garlic.
Cook for 3-4 minutes.
Add rinsed and drained black beans.
Add broth and cornstarch. Cook on medium-high for a few minutes, then reduce to low.
Cook until ½ of the broth has evaporated.
Add cumin and salt and pepper to taste.
Add more cilantro, jalapenos, and cayenne if you're wanting it spicier.
Let cook for about 30 minutes at least on low for all the flavors to incorporate.
Garnish with sliced green onions, sliced jalapenos, and sour cream.
ENJOY!