Zesty Ham and Bean Soup

INGREDIENTS

• 2 tablespoons olive oil
• 5 small shallots, chopped small
• 6 garlic cloves, minced
• 1/2 lb ham, chopped small
• 1 (15 ounce) can whole kernel corn, undrained
• 1 (15 ounce) can pinto beans, undrained
• 1 (15 ounce) can great northern beans, undrained
• 1 (15 ounce) can chicken broth
• 2 large carrots, chopped small
• 2 teaspoons cumin
• 1 teaspoon dried oregano
• 1 teaspoon ground black pepper
• 2 dashes cayenne pepper
• 2 medium Tomatoes, chopped
• 1/2 cup cheese, grated (optional)